Disclosure

Past performance is not a guarantee future results. Any reference to the stock market is general in nature, and no market or index is guaranteeing the claims or data found in visual, audio, digital or written presentations. Reference to any particular rate of return is general in nature and is based upon internally sampled historical data and is no way a guarantee of future performance under any circumstance.

All audio, visual, digital and written content is not to be construed as any offer for any product or services, but only a solicitation to consider our firm through future communication. All research conducted by James D. Orr and AnnuiLife Wealth Preservations, LLC is publicly sourced material and is verified through multiple sources to include but not be limited to government source data, newspaper, search engine financial sources, financial data websites, etc.

Neither James Orr nor AnnuiLife are investment advisory firms and are not registered with or supervised by the U.S. Securities and Exchange Commission or any state securities regulatory office. James D. Orr is a licensed insurance agent in multiple but not every jurisdiction in the United States. This is not an offer or solicitation for brokerage services, investment advisory services in any jurisdiction. All case studies may reflect actual clients whose names are protected for compliance with privacy statutes and regulations. Any reference to stock performance is based upon historical data that is publicly sourced. All investments are subject to market risk. No statement made is to suggest stock market performance or future performance, and no case study is used to imply future performance or provide testimonial. All claims are subject to the claims paying ability of the custodian of the account. Any case study which implies testimony is only in reference to customer service satisfaction and not investment performance. No investment advice is rendered and all information is educational in nature. A fixed index annuity is not a securities product, but a product of the insurance industry and is not guaranteed by any bank or insured by the FDIC. The Agent is paid a commission from the insurance carrier.

Insurance policy terms and limits may vary by jurisdiction. Descriptions of coverages on these pages are limited by the terms, conditions, definitions and exclusion of individual insurance policy contracts. These examples are not representations of the law. They are not intended to constitute legal, accounting or financial advice. Statements regarding potential liability or responsibility are based on general common law tort principles and/or standard statutes, both of which can be fact-specific and vary by jurisdiction. The general examples given here may not apply in every situation.  *Please note that the examples herein are neither company nor product specific and are concepts illustrated to give you general information of the benefits and limitations of the products and strategies and are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state.

Any reference to “no fees” with any insurance or annuity product does not preclude the possibility of a surrender or withdrawal charge on a policy. While there may not be annual maintenance fees or recurring fees, accounts may have a charge for surrendering the policy early or for early withdrawal. Any reference to reserving rules is general in nature, and subject to each state’s statutory guidelines and formula for the requirement of insurance carriers to maintain reserves on their accounts. Any reference to reserving rules does not guarantee the financial strength or wherewithal of a particular insurance carrier, and all accounts are subject to the claims paying ability of the custodian. 

Products that have premium bonuses may offer longer time commitments and/or lower credited interest rates, and lower Index Cap Rates than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower interest rates and lower Index Cap Rates. Be advised that the sale or liquidation of any stock, bond, IRA, CD, mutual fund, annuity or any other asset to fund the purchase of an annuity or any other life insurance product may have tax consequences, early withdrawal penalties and other fees associated with that sale or liquidation. Neither James D. Orr nor partner agents acting on his behalf should be viewed as providing legal or tax advice. You should consult with and rely upon a qualified tax or legal advisor for questions related thereto.

“Dow Jones,” “Dow Jones Industrial Average” and “DJIA” are service marks of Dow Jones & Company, Inc. and have been licensed for use by individual insurance companies. Products may be linked to Dow Jones Industrial Average, and are not sponsored, endorsed, sold or promoted by Dow Jones; and Dow Jones makes no representation regarding the advisability of purchasing this product. DJIA does not include dividends.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by individual insurance companies. Products are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing any product. S&P 500® Index does not include Dividends.

All photos or graphics are either paid stock photography or personal and should not be construed to imply they are actual clients or have a relationship with our firm. All graphs and charts are copyrighted and are properly designated as such.  James Orr's verbal content in any format is proprietary and in some cases opinion in nature.

All research, case studies, graphs, charts, projections, and the like strictly refer to insurance products and the insurance industry. All products and materials presented and/or advised are through and by insurance agents acting on behalf of third-party insurance companies that compensate the agent and James D. Orr.

James D. Orr and AnnuiLife Wealth Preservation are regulated by the OH Department of Insurance.  James D. Orr is not an investment advisory firm and is not registered with, or supervised by, the U.S. Securities and Exchange Commission or any state securities regulatory office.

Client experiences shared in case studies may not be representative of the experience of other customers and is not a representation of a future event.


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