Get Ready to Explore with Elevate Wealth Strategies

Elevate Wealth Strategies (“the Agency”) is an independent insurance organization. We offer life insurance, indexed universal life (IUL) policies, fixed annuities, fixed indexed annuities (FIAs), and other retirement planning products through licensed insurance carriers.

All products are subject to state insurance regulations, carrier underwriting guidelines, and suitability requirements.

Nothing on this website constitutes tax, legal, or investment advice. Always consult a licensed tax professional or attorney about your personal situation.

Our agents are licensed to sell insurance products in select U.S. states.

Product availability varies by state and by carrier approval.

Before purchasing any insurance product, clients will undergo:

• State-required disclosures
• Suitability review
• Product comparison and needs analysis

Life insurance and fixed annuity products are not securities and are not sold as investments.

Fixed indexed annuities (FIAs) and IUL policies:

• Do not directly invest in the stock market
• Are not registered with the SEC
• Are not FDIC-insured
• Are backed by the claims-paying ability of the issuing insurance company

Website content is for educational purposes only.

Any guarantees mentioned (income, principal protection, riders, or credited interest floors):

• Are based solely on the claims-paying ability of the insurer
• Are not backed by a bank or government agency
• Do not imply future performance of any index or strategy

Index returns used in illustrations are hypothetical and do not reflect actual policy performance.

Tax advantages associated with life insurance and annuities depend on:

• Current IRS rules
• Proper policy structure
• Client compliance with contract requirements

Withdrawals or loans may create a taxable event if the policy is not properly maintained.

Clients should seek independent tax advice.

This website does not create:

• A fiduciary relationship
• A legal advisory relationship
• A tax advisory relationship

We are required to ensure that:

• The product fits the client’s financial goals
• The client understands surrender charges, fees, and liquidity limits
• Income riders and benefits are appropriately selected

Clients will review and sign:

• State suitability forms
• Carrier product disclosures
• Prospectus alternatives (if applicable for variable products)

Insurance products may be protected by a state-level Insurance Guaranty Association (not a federal guarantee).

Coverage amounts vary by state and limits are set by statute.

Illustrations, charts, and examples shown on the website are:

• Educational
• Hypothetical
• Not guarantees of future performance

Carrier-provided policy illustrations will always govern over any website examples.

For questions, compliance issues, or formal complaints:

Elevate Wealth Strategies

Collinsworthjoseph01@gmail.com

480-848-4174