Effective date: August 1, 2026
Welcome to iuladvisory.com (the "Site"), operated by Sharon Mbakile, a licensed insurance agent (NPN #21099201) ("I," "me," or "we"). By accessing or using the Site, you agree to these Terms & Conditions and to the Privacy Policy. If you do not agree, please do not use the Site.
1. What This Site Is (and Isn't)
The Site provides educational content about indexed universal life insurance and related financial topics, and allows you to request insurance illustrations, quotes, and policy reviews.
The content on this Site is educational only. It is not financial, investment, tax, or legal advice, and it is not a recommendation to buy, keep, or surrender any insurance policy or financial product. Articles reflect my professional opinions and general information as of their publication or update dates. Your situation is unique — decisions about insurance and financial products should be made based on your own circumstances, official carrier documents, and, where appropriate, advice from your own tax, legal, or financial professionals.
2. No Client Relationship; No Offer
Using the Site, reading its content, submitting the request form, or receiving an illustration does not create an agent-client relationship, a fiduciary relationship, or any contract of insurance. Insurance can only be applied for and issued through a carrier's official application and underwriting process.
I am licensed as an insurance agent in 25 states. Nothing on this Site is an offer or solicitation of insurance in any state where I am not licensed, or where such an offer would be unlawful. Product features, riders, and availability vary by state and carrier.
3. Illustrations, Rates, and Projections
Any illustrations, projections, rates, caps, participation rates, or examples referenced on the Site or provided in response to your request are hypothetical and not guarantees. Index crediting rates, caps, policy charges, and carrier features are set by insurance carriers, are subject to change, and may differ from anything shown or discussed here. Guaranteed policy elements are stated only in a carrier's official contract and illustration. Always review official carrier documents before making any decision.
4. Your Use of the Site
You agree to use the Site lawfully and to provide accurate information when submitting any form. You agree not to: misuse or attempt to disrupt the Site; scrape, harvest, or collect data from the Site by automated means; submit false, misleading, or third-party information without authorization; or use the Site's content or forms for any unlawful purpose.
Submitting the illustration request form is subject to the consent language presented with the form and described in the Privacy Policy.
5. Intellectual Property
All content on this Site — articles, text, graphics, logos, the "IUL Advisory" name and § wordmark, and site design — is owned by me or licensed to me, and is protected by copyright and other intellectual property laws. You may view, share links to, and print pages for personal, non-commercial use. You may not republish, reproduce, distribute, or create derivative works from Site content without my prior written permission, except for brief quotations with attribution and a link to the original page.
6. Third-Party Links and Services
The Site links to and uses third-party websites and services (including license verification through NIPR, scheduling through Calendly, form processing through Formspree, and insurance carrier resources). I do not control and am not responsible for third-party sites, their content, or their terms and privacy practices. References to insurance carriers or products are for informational purposes and do not imply endorsement by those carriers.
7. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. I work to keep content accurate and current, but tax law, IRS limits, carrier products, and rates change; I do not warrant that any content is error-free or up to date, and I may change or remove content at any time without notice.
8. Limitation of Liability
To the fullest extent permitted by law, I will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, savings, or data, arising out of or related to your use of (or inability to use) the Site or reliance on its content — even if advised of the possibility of such damages. To the fullest extent permitted by law, my total liability for any claim relating to the Site will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
9. Indemnification
You agree to indemnify and hold me harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site.
10. Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles. Any dispute relating to these Terms or the Site shall be brought in the state or federal courts located in Georgia, and you consent to their jurisdiction. Nothing in this section limits any rights you may have under the insurance laws or consumer protection laws of your state of residence.
11. Changes to These Terms
I may update these Terms from time to time. The effective date above reflects the latest revision, and continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
12. Contact
Sharon Mbakile Licensed Insurance Agent · NPN #21099201 Email: sharon@iuladvisory.com
These Terms govern use of this website only. Insurance products are governed solely by the applicable carrier's contract and state law.