Terms & Disclosures

Effective date: September 21, 2026

Educational information

This website provides general educational information and does not constitute individualized insurance, investment, tax, or legal advice. A website visit, form submission, or introductory conversation does not create an advisory or client relationship.

Insurance products

Insurance and annuity products are subject to eligibility, underwriting, state availability, carrier approval, policy terms, exclusions, limitations, fees, surrender charges, and other conditions. Guarantees are backed by the claims-paying ability of the issuing insurance company. Indexed products do not invest directly in a market index.

No guarantee of results

Examples, illustrations, and educational materials are not promises of future performance. Actual results vary. Non-guaranteed values may change, and withdrawals or loans can reduce policy values and death benefits or cause a policy to lapse.

Recruiting opportunity

Recruiting information describes an independent, commission-based insurance opportunity and is not an offer of employment or a promise of income, licensing, appointment, carrier approval, leads, or business results. Licensing, background review, training, contracting, appointment, production, continuing education, technology, and other requirements or expenses may apply. Individual results depend on activity, skill, consistency, market conditions, and performance.

Tax and legal matters

POP Financial Group does not provide tax or legal advice. Consult a qualified tax or legal professional regarding your circumstances.

Website use

You agree not to misuse the website, interfere with its operation, or submit false or unlawful information. We may update the website, these terms, and available services without notice.

Contact

Questions may be directed to russpry@popfinancialgroup.com or (240) 242-5365.