Insurance products
Insurance products are subject to underwriting. Product availability, benefits, riders, guarantees, and premiums vary by carrier, state, age, health, and product type. The specific contract issued controls, and any illustration is not a promise of coverage.
Guarantees
Contractual guarantees are backed by the claims-paying ability of the issuing insurance company.
Long-Term Care Insurance
Traditional Long-Term Care Insurance premiums are not guaranteed level and may increase over time subject to state regulator approval. Hybrid and asset-based designs often include contractual premium terms; the specific policy language controls. Partnership-qualified policy features vary by state.
Annuities
Annuities are insurance contracts. Certain annuities can provide contractual guarantees, subject to the claims-paying ability of the issuing insurance company. Features vary by product, carrier, state, and rider availability. Withdrawals may be subject to surrender charges and, if taken before age 59½, may be subject to a federal 10% additional tax. Fixed indexed annuities are not direct market participation, and interest credits are subject to caps, spreads, and participation rates. Annuities are not right for everyone.
Life Insurance
Life insurance is subject to underwriting. Premiums, benefits, and cash-value features vary by policy design and carrier. Loans and withdrawals reduce the death benefit and may have tax consequences.
Disability Insurance
Disability insurance is subject to underwriting. Eligibility and benefits depend on occupation classification, income, health, and policy design. Tax treatment of benefits depends on how premiums were paid and your specific situation.
Medicare
We are not affiliated with Medicare or any government agency. Plan availability varies by county and carrier. We do not offer every plan available in your area; any information you receive is limited to the plans we offer. For a complete list, please contact Medicare.gov, 1-800-MEDICARE (24 hours a day, 7 days a week, TTY users can call 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP).
Tax and legal
This site does not provide tax or legal advice. Tax treatment of insurance products depends on your specific situation. Consult qualified tax and legal advisors before making decisions.
Licensing
Mischa Wright is licensed in Nevada. Our licensed team supports clients nationwide, subject to individual licensing in the applicable state. We confirm licensure for your state during the initial conversation.
Third-party trademarks
RamseyTrusted® is a trademark of its owner. Our reference to RamseyTrusted Long-Term Care Pro designates Mischa Wright’s participation in that program and is not an endorsement by any other party. All other trademarks referenced remain the property of their respective owners.
Third-party links
Links to third-party sites are provided for convenience. We are not responsible for the content, accuracy, or privacy practices of external sites.