Insurance & Career Disclosures

Insurance information

This website provides general educational information. It is not an insurance contract, policy illustration, legal or tax advice, investment advice, guarantee of insurability, or guarantee of benefits. Coverage is available only through a completed application, carrier underwriting, policy approval, delivery, acceptance, and required premium.

Product availability, rates, features, riders, benefits, guarantees, exclusions, underwriting, and carrier appointments vary by state, applicant, and carrier. The policy contract controls if any website description differs from the issued policy.

Licensing

Kris Birge is licensed to offer life insurance in Florida, North Carolina, Georgia, Alabama, Mississippi, and Maine. Services are offered only where the appropriate license and carrier appointment are active. PillarPeak Financial Group is not connected with or endorsed by any state or federal government agency.

Indexed universal life insurance

Indexed universal life is a life insurance product, not a direct investment in a stock market index. Interest-crediting methods are subject to policy terms, including caps, participation rates, spreads, floors, charges, and other limitations. Policy values can be affected by premium funding, withdrawals, loans, expenses, crediting results, and changes in assumptions. Non-guaranteed illustrations are not promises of future performance.

Policy replacement

Replacing existing life insurance may have disadvantages, including new contestability and suicide periods, new acquisition costs, changed guarantees, surrender charges, and loss of existing benefits. Do not cancel existing coverage until replacement coverage is approved, issued, accepted, and in force. Required replacement forms and comparisons should be reviewed carefully.

Career opportunity

The PillarPeak agent opportunity is commission-based 1099 independent-contractor work. It is not a salaried or hourly job. Agents are responsible for licensing, taxes, and applicable business expenses. Licensing, background checks, errors-and-omissions coverage, technology, leads, and other costs may apply.

No earnings, commission level, lead quantity or quality, appointment volume, sales, policy placement, renewal, promotion, leadership role, or business outcome is guaranteed. Individual results vary based on licensing, carrier contracts, activity, skill, expenses, market conditions, persistency, and other factors.

UniTrust relationship

PillarPeak Financial Group is an independent insurance brokerage building through UniTrust Financial Group. Use of UniTrust branding reflects that business relationship and does not change the independent-contractor status of agents or create a guarantee of appointment, production, compensation, or advancement.