Compliance & disclosures

Assurna is a licensed insurance producer in the United States. The practice is licensed to solicit, negotiate, and place insurance policies in each state where it conducts business. We verify state licensure for each applicant before accepting an application.

NPN (National Producer Number), available upon request and disclosed on any specific policy recommendation.
State producer licenses, available upon request. We verify licensure during intake before scheduling a strategy call.

Assurna is not a Registered Investment Adviser under the Investment Advisers Act of 1940. Assurna does not act as an ERISA fiduciary with respect to any retirement-plan account.

Our recommendations are insurance recommendations made in our capacity as a licensed insurance producer. They are not investment advice. Tax, legal, accounting, and investment advice should be obtained from your own qualified professionals.

All policies recommended or placed by Assurna are issued by independent insurance carriers. Assurna is the producer of record. Each carrier underwrites and issues policies according to its own guidelines, rates, and terms. The carrier is the entity contractually obligated to pay benefits under the policy.

Indexed universal life (IUL) policies and other cash-value life-insurance products contain non-guaranteed elements. These include current crediting rates, index caps, participation rates, index bonuses, cost-of-insurance charges, mortality & expense charges, administrative fees, and surrender charges.

Illustrations of IUL products follow current NAIC Actuarial Guideline 49-A (effective Nov. 25, 2020) and Actuarial Guideline 49-B (effective May 1, 2023). Under AG 49-A and 49-B, the illustrated rate is constrained, bonuses must be included in the illustrated rate, and the maximum illustrated rate is capped at 145% of the carrier’s net hedge budget. Illustrations are projections, not guarantees. Actual policy values will vary and may be materially lower than illustrated.

Risks of IUL include but are not limited to: reduction in cash value; policy lapse if premiums are insufficient or loans exceed cash value; surrender charges if policy is terminated early; income-tax consequences (including potential phantom income) if a loaned policy lapses; Modified Endowment Contract (MEC) treatment under IRC §7702A if funding exceeds limits.

Assurna is compensated through commissions paid by insurance carriers when a policy is placed and through renewal commissions on in-force policies. Commission structure varies by carrier, product, and policy size. Clients do not pay Assurna directly for the strategy call or the brokerage relationship. We disclose our compensation structure with any specific policy recommendation we make.

We take complaints seriously. If you have a concern, please follow this procedure:

1. Contact Assurna directly. Email hello@assurna.com with the policy or interaction in question. We will acknowledge within two business days and respond substantively within ten business days.
2. If your concern is not resolved by Assurna, you have the right to contact your state department of insurance. State insurance departments regulate licensee conduct and accept consumer complaints. The NAIC maintains a directory of state insurance departments at naic.org/state-insurance-departments.
3. For policy-level disputes, benefit denials, premium issues, claim handling, the issuing carrier is the contractual counterparty and typically the first point of contact. Assurna will assist clients with carrier disputes as a client advocate.

We follow commercially reasonable administrative, technical, and physical safeguards to protect client information. These include encryption in transit (TLS), encryption at rest for stored records, role-based access controls, multi-factor authentication, vendor due diligence under NAIC Insurance Data Security Model Law-aligned policies, and incident response procedures.

We will notify affected individuals and applicable regulators of any security incident in accordance with applicable state insurance data-security laws and other applicable law. No security program eliminates all risk; we maintain ongoing review of our posture.

Marketing materials produced by Assurna comply with applicable state insurance advertising rules and NAIC model regulations on life-insurance advertising. We do not use testimonials or endorsements that violate state advertising rules, and we do not present non-guaranteed values as guaranteed.

Sample case studies, illustrations, and projected values shown on this site are anonymized and are presented for illustrative purposes only. They do not represent the experience of any specific policyholder and are not guarantees of future results.

For permanent life-insurance products subject to FinCEN’s anti-money-laundering rules, Assurna and the issuing carrier verify applicant identity and source of funds in accordance with applicable law. Required documentation will be requested during underwriting.

Compliance questions: compliance@assurna.com. Privacy questions: privacy@assurna.com. General contact: hello@assurna.com. Mail: Assurna, 9442 Capital of Texas Highway North, Suite 500, Austin, TX 78759.