Enhanced Funding Solutions LLC (EFS) programs, strategies, solutions, and platforms are not intended to be investment advice or a recommendation of any stock or index.  Purchasing life insurance can be volatile and involves risk, including loss of principal.  Consider your individual circumstances prior to acquiring any life insurance. Life insurance policies are not an “investment” or “marketable securities product”, it is an insurance product. All assumptions made by EFS in examples, webinars, all media formats, sample solutions, and formal solutions are hypothetical scenarios using hypothetically constructed periods of time with historical returns and lookback index performance, however for the purposes of modeling comparisons, all data illustrated in these comparisons is purely hypothetical and does not represent any specific investment portfolios, index, or investments. The financed premium lending rates used in all hypothetical models are based on a lender provided benchmark and is subject to change at any time.  Rates are not guaranteed or “locked” until loan documents are furnished and countersigned. There shall be nothing on this site, in any document, or media medium provided by EFS that shall be misinterpreted as presenting any sort of guarantee of performance. All portfolio or fund returns may vary, and there is no promise of implication that the performance shown by EFS in hypothetical funds within this site, in any document, or media medium provided by EFS would be the same or similar to actual present or future performance. There shall be nothing on this site, in any document, or media medium provided by EFS that shall be misinterpreted as giving tax advice or investment advice. Enhanced Funding Solutions LLC (EFS) is neither a CPA firm, tax attorney nor a securities-licensed entity. EFS is an unbiased consulting life insurance firm.  EFS has relationships with lenders and financial institutions and often makes introductions and facilitates relationships between clients and such lenders and financial institutions, and such parties may engage to do business together. As the life insurance policy owner/trustee/approved officer of the company-owned policy, understand that the dual purpose of life insurance solutions represented in any document, or media medium provided by EFS are both for the death benefit and for the long term cash value accumulation, and that financial and tax planning professional(s) should be consulted to validate that a life insurance policy being recommended by EFS is appropriate for the policy owner’s income, net worth, future earning potential, and that it is suitable for the financial needs of the policy owner’s beneficiary(s). The benefits and values shown on this site and in any and all platforms, programs, solutions, media mediums, collateral pieces are not guaranteed.  The assumptions on which they are based are subject to change by the insurer.  Actual results may be more or less favorable.  All platforms, programs, solutions, media mediums, collateral pieces are not valid unless accompanied by a complete insurance company illustration.  Please see the full illustration for guaranteed values and other important information.  The premium finance arrangement is offered by Enhanced Funding Solutions LLC.  The insurance carrier is bound only by the term of the life insurance contracts it issues.