Disclaimer

Barkon Investments LLC provides information and services on an "as is" basis. We make no representations or warranties, either express or implied, regarding the accuracy, completeness, reliability, or timeliness of any information on our Website or provided through our services.

Nothing on our Website or in our communications should be construed as investment advice, financial advice, or a recommendation to purchase or sell any financial product or security.

While Barkon Investments LLC specializes in insurance, which may have investment components (such as universal life insurance with cash value), we do not provide personalized investment advice.

If you require investment advice, we recommend consulting with a qualified financial advisor, investment professional, or fiduciary who is regulated by the SEC or FINRA.

Any insurance products recommended are based on your insurance needs and financial situation, not on their investment potential.

Information provided regarding health insurance, Medicare, disability insurance, or long-term care insurance is for informational purposes only and should not be construed as medical advice, diagnosis, or treatment recommendation.

We do not provide medical advice or recommend specific medical treatments. If you have health concerns, please consult with qualified healthcare professionals, physicians, or medical specialists.

Our role is to help you understand insurance coverage options that align with your healthcare needs.

Information on our Website regarding tax implications, estate planning, legacy planning, or legal structures is for general informational purposes only and does not constitute tax or legal advice.

Tax laws are complex and individual circumstances vary significantly. We recommend consulting with qualified tax professionals, CPAs, enrolled agents, or attorneys regarding your specific tax and legal situation.

Do not rely solely on our information for tax or legal decisions. Always seek advice from appropriate professionals licensed in your jurisdiction.

Information about insurance products, coverage options, benefits, and limitations is provided for informational purposes. The actual terms, conditions, benefits, exclusions, and limitations of any insurance policy are contained in the official policy documents provided by the insurance carrier.

Policies may vary by state, carrier, and individual circumstances. Rates, coverage, and availability are subject to change. We encourage you to review all policy documents before enrollment.

For specific details about any insurance product, contact us or the insurance carrier directly.

Insurance needs vary significantly based on age, health, income, family situation, financial obligations, and personal goals. Information provided on our Website or in our communications may not apply to your specific situation.

Recommendations we make are based on conversations with you about your situation. We always encourage you to discuss your specific circumstances with us before making any insurance decisions.

Never rely on general information alone. Always seek personalized guidance based on your individual situation.

While we strive to provide accurate and current information, we do not guarantee that all information on our Website is accurate, complete, or timely. Information may be subject to change without notice.

Insurance laws, regulations, products, and rates change frequently. Information that was current when posted may become outdated.

We encourage you to verify important information directly with us or with insurance carriers before making decisions.

Our Website may contain information from third-party sources, links to third-party websites, or references to third-party products and services. We are not responsible for the accuracy, completeness, or reliability of third-party information.

We do not endorse or guarantee any third-party products or services. Third-party websites may have different privacy policies and terms of use. We encourage you to review them before providing information.

Your use of third-party websites is at your own risk and subject to their terms and policies.

While we provide quotes and assistance with insurance applications, policy approval is ultimately determined by the insurance carrier based on underwriting, medical underwriting (if applicable), and other factors.

We cannot guarantee that any insurance policy will be approved, issued, or issued at quoted rates. Underwriting may result in policy modifications, exclusions, or denial.

You will be informed of the carrier's final decision regarding your application.

Mitch Barkon is a licensed independent insurance broker in multiple states. Licenses are maintained through continued education and compliance with state insurance regulations.

You can verify licensing status through your state's insurance department website. Our licensing covers insurance products only, not financial planning, investment advisory, or other services.

For services outside of insurance, we recommend consulting with appropriately licensed professionals.

While we have helped thousands of families and business owners find appropriate insurance coverage, we do not guarantee specific results, outcomes, or savings.

Actual coverage, claims, and financial impact depend on many factors, including policy terms, carrier performance, your compliance with policy conditions, and unforeseen circumstances.

We recommend reviewing your coverage regularly to ensure it remains appropriate as your life circumstances change.

To the maximum extent permitted by law, Barkon Investments LLC and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Website or services.

Our liability for any claim is limited to the amount you paid for services or $1,000, whichever is less.

Some jurisdictions do not permit limitations on liability, so this may not apply to you.

By using our Website and services, you assume all risks associated with:

• Relying on information provided
• Making insurance decisions
• Policy coverage and claims
• Technical issues with our Website
• Third-party products or services

You acknowledge that insurance decisions are significant and encourage you to seek professional guidance and review all documentation before making decisions.

This disclaimer is subject to change without notice. We encourage you to review it periodically. Continued use of our Website following any changes constitutes your acceptance of those changes.

If you have questions about this disclaimer or need clarification on any points, please contact us: