Last updated: August 8, 2026
Website information is educational—not individualized advice. No insurance product is recommended, approved or sold merely because a visitor watches a video, completes the risk check, submits a form or calls the number on this website.
1. Company role and professional-status disclosure
Insured Portfolios, LLC is an insurance business. Through appropriately licensed insurance producers, it may provide general insurance education, gather consumer-profile information, discuss available insurance products and make insurance recommendations when permitted by law and supported by a suitability or best-interest review.
Insured Portfolios, LLC is not a registered investment adviser, broker-dealer, securities exchange, bank, credit union, government agency, law firm, accounting firm, employer retirement plan, plan administrator or plan fiduciary. Unless separately stated in a written agreement signed by an authorized person, Insured Portfolios, LLC does not provide securities, investment-management, legal, tax or accounting services.
Nothing on this website is individualized investment, tax, accounting or legal advice; a securities recommendation; a fiduciary undertaking; an offer to buy or sell a security; an offer to issue an insurance contract; or an assurance that any visitor will qualify for, be approved for or benefit from a particular product. Consult independent, appropriately qualified professionals regarding legal, tax, accounting, investment and retirement-plan questions.
2. Licensing, carrier appointment and geographic availability
Insurance products may be discussed, recommended or sold only through persons who hold the licenses and carrier appointments required for the transaction and jurisdiction. Product availability, features, rates, minimums, riders, underwriting classes, issue ages and contract forms vary by insurer and state. A website inquiry does not establish that a particular producer, insurer or product is available in the visitor’s state.
Any financial-strength rating referenced in conversation or carrier materials is the opinion of the identified independent rating organization as of a stated date. Rating scales differ. An insurer may hold different ratings from different organizations, ratings can change, and a rating is not a guarantee of future financial strength, investment performance or claims payment. When products from insurers in an “A” rating category are discussed, the applicable rating organization, date and carrier should be confirmed in current carrier-approved materials.
3. Annuity disclosure
An annuity is a contract issued by an insurance company. It is not a bank deposit; is not an obligation of or guaranteed by a bank or credit union; and is not insured by the Federal Deposit Insurance Corporation, National Credit Union Administration, Securities Investor Protection Corporation or any other federal agency. All guarantees—including minimum-value, interest-crediting, death-benefit and income guarantees—are subject to the actual contract terms and the issuing insurer’s claims-paying ability and financial strength.
Annuities are generally intended for long-term objectives. Depending on the contract, withdrawals or surrender may be subject to surrender charges, market-value adjustments, withdrawal limitations, rider charges, tax consequences and possible federal tax penalties. Required minimum distributions or other withdrawals can affect contract value and benefits. The contract, rider forms, disclosure documents and buyer’s guide—not a website summary—control.
4. Fixed indexed annuity disclosure
A fixed indexed annuity is not a direct investment in the stock market or in any market index. The owner does not receive index dividends and does not own shares of the index components. Instead, an external index may be used in a contract formula to determine the amount of interest, if any, credited for a period.
Index-crediting results may be limited by caps, participation rates, spreads, margins, performance-trigger rates, averaging methods, declared rates, contract terms and other factors. These factors may change as permitted by the contract. A negative index result may produce zero index-linked interest for a crediting period rather than a market loss from the index itself; however, withdrawals, surrender charges, rider fees, market-value adjustments and other contract provisions can still reduce the contract value or benefits.
Past index performance does not predict future contract interest. Hypothetical examples are illustrations only. They do not reflect all contract charges, limitations, timing rules or tax effects and are not promises of future results.
5. Income riders and benefit-base disclosure
An optional income rider may use a separate calculation value—sometimes called a benefit base, income base or withdrawal base—to determine an available income benefit. That calculation value ordinarily is not the cash surrender value and generally cannot be withdrawn as a lump sum. Rider charges, deferral periods, age, elections, withdrawals and contract terms affect the amount and duration of income. “Lifetime income” is subject to the rider and contract conditions and the insurer’s claims-paying ability.
6. Retirement rollover and transfer disclosure
A rollover or transfer is not automatically in a consumer’s best interest. Depending on the plan and the individual’s circumstances, alternatives may include leaving assets in an existing employer plan, moving assets to a new employer plan if accepted, rolling eligible assets to an IRA, completing a trustee-to-trustee transfer, or taking a distribution. Each alternative may have different fees, investments, services, withdrawal rights, plan-loan features, creditor protections, required-minimum-distribution rules, age-based penalty exceptions, tax effects and protections.
A direct rollover generally sends eligible assets directly from a retirement plan to another eligible plan or IRA. An indirect rollover generally involves payment to the participant, may be subject to mandatory withholding, and normally must satisfy applicable timing and eligibility rules. Visitors should consult the plan administrator and their own tax adviser before initiating any rollover, transfer or distribution.
Placing an annuity inside an IRA or other tax-qualified retirement arrangement does not provide additional tax deferral beyond the tax treatment already available through that arrangement. Any recommendation to use an annuity in a tax-qualified account should be supported by other product features—such as contractual guarantees, income provisions, death-benefit terms or risk-transfer features—after considering costs, restrictions and alternatives.
Insured Portfolios, LLC is not affiliated with or endorsed by any employer, plan sponsor, plan administrator, recordkeeper, the Internal Revenue Service, the Department of Labor, the Social Security Administration, Medicare or any other governmental entity. Do not construe a discussion of a retirement plan as a statement that Insured Portfolios, LLC represents the plan or employer.
7. Life insurance disclosure
Life insurance requires underwriting and insurer approval. Premiums, policy charges, death benefits, cash values, guarantees and non-guaranteed elements depend on the policy type, insured’s age and health, underwriting class, premium funding, policy design and insurer assumptions. An illustration is not the policy and is not a promise that non-guaranteed values will occur.
Permanent life-insurance strategies sometimes described as “be your own bank,” “infinite banking,” a “personal reserve” or similar terms are planning concepts—not separate products, bank accounts or guarantees. Their outcomes depend heavily on policy design, premium funding, time, costs, discipline and actual policy performance. They may not be suitable for people who need short-term liquidity, have limited cash flow, cannot maintain premiums or have more appropriate alternatives.
Policy loans and withdrawals reduce cash value and death benefits, may affect policy guarantees, may accrue interest, and can cause the policy to lapse. A lapse or surrender with an outstanding loan may create taxable income. Modified endowment contract rules and other tax rules may affect access to policy values. Obtain independent tax advice before relying on policy loans, withdrawals or anticipated tax treatment.
8. Replacement and exchange disclosure
Replacing, surrendering, exchanging or materially changing an existing annuity or life-insurance contract can restart surrender periods, create new charges, cause loss of existing guarantees or benefits, require new underwriting, alter tax treatment and generate compensation for a producer. Existing and proposed contracts should be compared carefully. Do not cancel an existing policy or contract until the new contract is issued, accepted and reviewed and any applicable free-look period and replacement disclosures are understood.
9. Compensation and conflicts
If an insurance policy or annuity contract is purchased, a licensed producer and/or Insured Portfolios, LLC may receive compensation from the issuing insurer. Compensation can vary by carrier, product, premium, contract duration and other factors. Other non-cash compensation, training, marketing support or incentives may be available where permitted. These arrangements can create conflicts of interest. Applicable producer-relationship, carrier-appointment, compensation, replacement and conflict disclosures will be provided when required.
10. Suitability, best interest and consumer information
A recommendation should be made only after relevant consumer-profile information is obtained and reasonably evaluated. That information may include age, income, financial situation and needs, tax status, objectives, intended use, time horizon, existing assets and insurance, liquidity needs, liquid net worth, risk tolerance, financial experience and other facts material to the proposed transaction.
Meeting the general $10,000 product-consideration minimum does not establish suitability, best interest, eligibility, affordability or carrier approval. Carrier minimums and review standards may be higher. Insured Portfolios, LLC may decline to recommend or submit a product when relevant information is unavailable, the product is not suitable, a carrier does not approve the transaction, the visitor’s needs are outside the company’s services or other compliance concerns exist.
11. Website, video, testimonial and calculator limitations
Website copy, videos, questionnaires, examples, graphics and frequently asked questions are simplified educational materials. They cannot account for every contract term or personal circumstance. The risk check is not a financial plan, needs analysis, suitability questionnaire, best-interest determination, insurance application or underwriting decision. Its result is not saved by this website and should not be treated as a recommendation.
Third-party content, including embedded Vimeo videos, may be hosted, controlled and changed by a third party. A link or embedded item does not necessarily indicate endorsement of every statement, product, person or website associated with that third party. Availability and privacy practices are controlled in part by the third party.
Client-experience videos are presented as reflecting the personal opinions, recollections and circumstances of the individuals shown as understood at the time of recording. They are not guarantees, promises or representations that purchasers generally will receive the same experience, interest crediting, income, tax treatment, approval or financial result. No testimonial should be treated as a product recommendation for the viewer. Product availability, features, rates, insurer ratings and contract terms can change, and statements in an older video must be confirmed against current carrier-approved materials and the issued contract.
Endorsements and testimonials must remain honest and may not be presented out of context. Any material connection between an endorser and Insured Portfolios, LLC—including compensation, free or discounted products, a business or family relationship, or another benefit that a reasonable viewer would not expect—must be disclosed clearly and conspicuously when applicable.
12. No performance or outcome guarantee
No website statement, consultation, rating, illustration, index history, hypothetical example, testimonial or sales presentation can guarantee future interest, income, tax treatment, liquidity, policy performance, insurer ratings, approval, claims payment or a particular financial result. Actual results depend on contract terms, insurer performance, elections, withdrawals, premiums, taxes, law and personal circumstances.
13. Appointments and office access
The address at 3712 Central Ave SE, Suite D, Albuquerque, New Mexico 87108 is an administrative office. It does not accept walk-in client visits. Client meetings are scheduled in advance, and an agent may meet a prospective client at the prospective client’s home or business. Calling or submitting an appointment request does not create an insurance-producer relationship, fiduciary relationship, attorney-client relationship, tax-adviser relationship or obligation to accept the caller as a client.
14. Required review of carrier materials
Before purchasing, review the complete carrier-approved sales materials, buyer’s guide, product disclosure, illustration if applicable, replacement forms, application, contract or policy, endorsements and riders. Ask questions about every guarantee, non-guaranteed element, surrender period, withdrawal provision, charge, rider, renewal term, index-crediting method and tax issue. The issued contract or policy governs if website or verbal descriptions differ.
15. Contact
Questions about these disclosures or an appointment may be directed to Insured Portfolios, LLC at 505-990-8235. Administrative mailing address: 3712 Central Ave SE, Suite D, Albuquerque, NM 87108. Meetings are by appointment only.