Terms of Use

Acceptance of Terms

By accessing and using the Living Prepared, LLC website at livingprepared.team (“the Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

About Living Prepared, LLC

Living Prepared, LLC is a life insurance and annuity planning firm. Living Prepared is an affiliate of Whitwell & Co., LLC, an SEC-registered investment advisory firm. Investment advisory services are offered exclusively through Whitwell & Co., LLC. Insurance and annuity products are offered through licensed insurance professionals affiliated with Living Prepared, LLC.

Educational Content Disclaimer

The information on this Site is provided for educational and informational purposes only. It does not constitute insurance advice, investment advice, financial planning advice, legal advice, or tax advice. The content is general in nature and may not apply to your individual circumstances.

No content on this Site should be interpreted as a recommendation to buy, sell, or hold any insurance product, annuity, or investment. All insurance and financial decisions should be made in consultation with a licensed professional who understands your specific situation, goals, and risk tolerance.

Calculators and Interactive Tools

The calculators and interactive tools on this Site provide estimates based on the information you input and simplified assumptions. They do not account for all variables that may affect your actual insurance needs, including inflation, investment returns, tax implications, health status, or individual underwriting. Results are not guarantees and should not be relied upon as the sole basis for financial decisions.

No Guarantees of Outcomes

Insurance and annuity products involve risk. Past performance of any index, investment, or product does not guarantee future results. Policy illustrations are illustrative projections based on current assumptions and are not guarantees. Actual policy performance may be higher or lower than illustrated values.

Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Living Prepared, LLC or its content providers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.

Third-Party Links

This Site may contain links to third-party websites, including Whitwell & Co., LLC, insurance carriers, government agencies, and educational resources. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites. Links do not imply endorsement.

Limitation of Liability

To the fullest extent permitted by law, Living Prepared, LLC and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or reliance on any information provided herein.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Nevada, without regard to conflict of law principles.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

Contact Us

If you have questions about these Terms of Use, please contact us:

Living Prepared, LLC
Email: info@livingprepared.team
Phone: (512) 222-8864