Disclosures
Important information about what VeraLife.ai is, what it isn't, and how to read the figures, strategies and AI answers on this site.
1. Education, not advice
VeraLife.ai provides general financial education and planning tools. Nothing on the site is personal financial, investment, insurance, tax or legal advice, or a recommendation to buy or sell any product. Your situation is your own; talk to qualified, licensed professionals before acting.
2. Not an adviser, broker-dealer or insurer
VeraLife.ai is not a registered investment adviser (RIA), broker-dealer, insurance company or insurance agency. We do not manage money, hold assets, sell securities, or issue, sell or bind insurance. Insurance products discussed on the site are offered through licensed agents, who are responsible for their recommendations, and are issued by insurers.
3. Illustrative examples
Examples, projections, charts, scores and calculator results are hypothetical illustrations based on assumptions. They are not guarantees, forecasts or offers, and they don't show the performance of any real policy or investment. Real results will differ and can be worse. Fees, charges, health, age, underwriting and market conditions all matter.
4. Insurance is a tool, not an investment
Life insurance is first a way to protect the people who depend on you. Cash value life insurance, including whole life and indexed universal life, and strategies such as "infinite banking", are long-term tools with costs, surrender charges and trade-offs. They are not investments, bank accounts or substitutes for an emergency fund, and they are not right for everyone. Policies that are surrendered or lapse early can lose value.
5. Policy loans
Loans and withdrawals from a policy's cash value reduce the cash value and the death benefit. Policy loans accrue interest. Unpaid loans and interest can cause a policy to lapse, which can end coverage and may create a tax bill.
6. Dividends and index credits aren't guaranteed
Dividends on participating whole life policies are not guaranteed and are declared by the insurer each year. Index credits on indexed policies depend on index performance, caps, participation rates and other terms the insurer can change, and are not guaranteed above any stated minimum. Policy guarantees depend on the claims-paying ability of the issuing insurer.
7. Tax rules can change
Descriptions of tax treatment are general and based on current US law, which can change. How taxes apply depends on your circumstances and on how a policy is funded and used; for example, a policy treated as a modified endowment contract (MEC) is taxed differently. Ask a qualified tax professional about your situation.
8. AI limitations
The VeraLife.ai assistant is an AI chatbot that answers from VeraLife.ai's own content. AI answers can be incomplete, out of date or wrong, and may sound more confident than they should. They are education, not advice. Please verify anything important and don't type personal details into the chat.
9. Quotes are estimates until underwritten
Quotes on the site today are illustrative estimates from a sample rate table. Later, quotes may come from Compulife, a third-party quoting service. All quotes, including Compulife quotes, are estimates until an insurer completes underwriting. Your actual premium, and whether coverage is offered, depend on the insurer's review of your application and health.
Questions about these disclosures? Use our contact form at /contact.
Draft, pending legal review. Last updated November 10, 2026.