Terms & Disclosures

Who we are

Unleash Financial LLC, doing business as Unleash Financial, is an independent, remote-first insurance agency operating in the United States. Licensed insurance agency. Producer license numbers available on request and listed here before launch. We are not an insurance company. Insurance products described on this site are issued by third-party insurance carriers and sold only by agents licensed in the applicable state. Unleash Financial is not affiliated with, endorsed by, or acting on behalf of any carrier except as an appointed agency under that carrier's written agreement.

Not an offer

Nothing on this site is an offer to sell or a solicitation to buy any insurance product, and nothing here is an offer of securities or an investment opportunity. Product availability, features, riders, costs, and guarantees vary by carrier, product, and state, and are governed solely by the policy contract. Product descriptions on this site are summaries for educational purposes only. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.

Indexed universal life

Indexed universal life (IUL) is life insurance, not an investment, and is not a security. Policy cash value is not invested in any index or in the stock market. Interest credits are subject to caps, participation rates, spreads, and floors set by the carrier, which the carrier may change within the policy's contractual limits. Policy charges, including the cost of insurance, are deducted regardless of index performance and can reduce cash value, including to zero. Loans and withdrawals reduce the death benefit and cash value, may cause the policy to lapse, and may have tax consequences, particularly if the policy is a modified endowment contract. Illustrations contain non-guaranteed elements that are not predictions of future performance. Charts and figures on this site that depict index crediting are hypothetical, use invented index values, and do not reflect any actual product, charges, or fees.

Tax statements

References to tax-deferred growth or to policy loans not being taxed describe general treatment under current federal tax law, which may change and may not apply to your situation. Unleash Financial and its agents do not provide tax or legal advice. Consult a qualified tax professional.

Agent opportunity and earnings

Agent positions with Unleash Financial are independent contractor (1099) relationships, not employment, and nothing on this site is an offer of employment. Compensation is commission paid by insurance carriers on insurance policies actually sold to clients and kept in force. No one is compensated for recruiting other agents; override compensation, where applicable, is paid only on policies sold by a team member to a client. There is no salary, no guaranteed income, and no guarantee that any agent will earn any amount. Unleash Financial is newly established and has no history of agent earnings; it makes no claim about typical or average results. Any earnings figures on this site, including the calculator on the careers page, are hypothetical illustrations generated from assumptions you select and are not projections, averages, or promises. Many agents earn less than illustrated, and some earn nothing. Agents are responsible for their own licensing, examination, and application fees, errors and omissions insurance, and any lead, marketing, or business costs they choose to incur. Unleash Financial does not charge a fee to apply or to join. Contract levels, promotion criteria, and compensation schedules are set by Unleash Financial and its carrier agreements and may change.

Forward-looking statements

Statements about Unleash Financial's plans, including growing into a brokerage, contracting directly with carriers, adding products such as annuities, and offering an agency-ownership track, describe intentions, not commitments. They depend on carrier approval, state licensing, and business conditions, and may not happen on any particular timeline or at all. “Ownership” as used on this site refers to an agent building and operating their own agency and book of business under applicable carrier and agency agreements; it does not refer to equity, shares, or any ownership interest in Unleash Financial LLC.

No advice

Content on this site, including the Learn guides, is general information and is not financial, tax, legal, or investment advice, and is not a recommendation of any product. Consult a licensed professional about your situation.

Communications consent

By submitting an application or contact form and checking the consent box, you give prior express written consent for Unleash Financial and its agents to contact you at the phone number and email address you provide about the opportunity or request you submitted, including by calls and text messages that may be sent using an automatic telephone dialing system or prerecorded voice. Consent is not a condition of purchasing any product or of being considered for any opportunity. Message and data rates may apply. You can revoke consent at any time by replying STOP to a text, or by emailing or calling us.

Site use

Site content is owned by Unleash Financial LLC and may not be reproduced without permission. The site is provided as-is without warranties of any kind. We may update these terms at any time by posting a revised version with a new date.