Disclosures

About Living Prepared, LLC

Living Prepared, LLC provides insurance and annuity planning services. Products and services are offered through licensed insurance professionals. Living Prepared, LLC is not a registered investment advisor. Living Prepared, LLC does not provide investment advice, tax advice, or legal advice.

The Whitwell Family of Firms

Living Prepared, LLC is an affiliate of Whitwell & Co., LLC, an SEC-registered investment advisory firm, and is under common leadership with Whitwell Tax & Ledger Co., a tax and accounting firm. The three firms coordinate services for clients but are separate legal entities offering distinct services.

Investment advisory services are offered exclusively through Whitwell & Co., LLC; tax and accounting services exclusively through Whitwell Tax & Ledger Co.; and insurance and annuity products exclusively through Living Prepared, LLC and its licensed insurance professionals.

Insurance Products

Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by any bank, the FDIC, or any government agency. Policy values and guarantees depend on the continued financial health of the issuing insurance company.

Most states have a life and annuity guaranty association that may provide limited protection if a member insurer becomes insolvent, but that coverage is capped, commonly in the range of $250,000 to $500,000 per contract, varies by state and product, and is subject to conditions and exclusions. A guaranty association is not a government agency and is not government funded. By law, insurers and agents may not use the existence of a guaranty association to induce the purchase of insurance, and you should not rely on it when deciding whether to buy a policy or which insurer to use. The strongest protection is choosing a financially strong, highly rated carrier.

Life insurance, annuity, and long-term care products involve fees, charges, and limitations. Surrender charges may apply for early withdrawal. Tax penalties may apply to withdrawals before age 59 1/2. Please read all product materials carefully before making a purchase decision.

Compensation

Living Prepared, LLC and its licensed insurance professionals receive commissions and/or other compensation from insurance carriers when products are sold. This compensation varies by product type, carrier, and policy design. Commission-based compensation creates a potential conflict of interest, as the amount of compensation may differ depending on the product recommended.

We address this conflict by presenting multiple product options, disclosing that we are compensated by carriers, and recommending only products that we believe are suitable for the client's stated needs and financial situation.

Licensing and Suitability

Annuity recommendations made by insurance producers affiliated with Living Prepared, LLC are subject to the best interest standard under applicable state insurance law, which includes care, disclosure, conflict of interest, and documentation obligations. Life insurance recommendations are subject to applicable state suitability and replacement regulations. These are different standards than the fiduciary duty that applies to SEC-registered investment advisers such as Whitwell & Co., LLC.

Product Availability

Not all insurance and annuity products are available in all states. Product features, benefits, riders, fees, and terms vary by carrier, state, and product. Specific product details are provided in the carrier's product materials and policy contract, which should be reviewed carefully before any purchase decision.

Living Prepared, LLC works with multiple insurance carriers but does not represent every carrier in the marketplace. The carriers and products presented to a client are selected based on the client's stated needs and the products available through our carrier appointments.

Content and Educational Materials

The content on this website is for educational and informational purposes only. It is not intended as, and should not be construed as, personalized financial advice, insurance advice, tax advice, or legal advice. The information presented may not apply to your specific situation.

Illustrative scenarios, case studies, and examples are used for illustrative purposes only. They do not represent any actual client or guarantee of future results. Individual outcomes vary based on personal circumstances, health, age, and market conditions.

Third-Party Links

This website may contain links to third-party websites. Living Prepared, LLC does not control and is not responsible for the content, privacy policies, or practices of any third-party website. The inclusion of a link does not constitute a formal endorsement.

State Licensing

Insurance products are available in states where Living Prepared, LLC and its agents are licensed. Not all products are available in all states. Please contact us to verify availability in your state.

Living Prepared, LLC · 4805 Brisa Way, Austin, TX 78738 · NPN 21501526 · NV License #4090260 · Licensed in: Nevada, Texas, and South Carolina