Insurance Disclosures

Licensed insurance agent

Insurance-related communications are provided by Rob Martinez, Florida Insurance License #G310821, NPN 22106752. Martinez Capital, LLC is Rob Martinez’s business entity and is not an insurance carrier. Rob is currently licensed in Florida only.

No insurer identified or endorsed

This website does not identify, endorse, or promise access to any particular insurance carrier. Any insurer, product, illustration, or carrier-specific material discussed later must be reviewed under the applicable insurer’s approved materials and requirements.

General product information

Descriptions of term life, whole life, final expense, and indexed universal life insurance are general. Definitions, guarantees, exclusions, riders, premium schedules, crediting methods, caps, participation rates, spreads, charges, cash values, loans, withdrawals, surrender values, waiting periods, graded benefits, and lapse risks vary by policy and insurer.

Underwriting and availability

Eligibility, approval, policy class, premium, coverage amount, and available features depend on insurer underwriting and the information provided. Approval and pricing are not guaranteed. Product availability varies by insurer and individual circumstances.

Indexed universal life

Indexed universal life is life insurance, not a direct investment in a market index. Index-linked interest crediting is governed by policy terms and may be limited by caps, participation rates, spreads, and other provisions. Policy charges apply, non-guaranteed values may differ from illustrated values, and insufficient funding or policy value may cause coverage to lapse.

Final expense and mortgage-related needs

Final expense coverage is life insurance, not a funeral plan. Beneficiaries generally determine how death-benefit proceeds are used, subject to the policy and applicable circumstances.

“Mortgage protection” on this website refers generally to life insurance considered for mortgage-related financial needs. It is not mortgage insurance, is not required by a lender, and does not indicate affiliation with a lender or government program.

Policy controls

The issued policy and insurer-approved documents control. Review all policy terms, guarantees, non-guaranteed elements, exclusions, limitations, riders, charges, and lapse risks before accepting coverage.

Professional advice

Website content is not financial, tax, investment, or legal advice. Consult appropriately qualified professionals regarding those matters.