Disclaimer

Paxorbisfinancial.com is operated by Pax Orbis LLC in connection with the insurance and financial education services of its licensed producer (identified by name and license number in Section 3, as required by insurance advertising regulations). Content on this site, including pages describing the Infinite Banking Concept (IBC), net worth tracking, and life insurance strategy, is general educational material about how these tools and strategies work. It is not personalized to your situation and is not an offer, solicitation, or recommendation to buy any specific insurance product.

Nothing on this site is investment, financial, tax, legal, or accounting advice. Pax Orbis LLC's licensed producer is not a registered investment adviser, broker-dealer representative, certified public accountant, or attorney, and Pax Orbis LLC is not registered with the SEC, FINRA, or any state securities regulator. No content here is an offer, solicitation, or recommendation to buy or sell any security, investment, or financial instrument. Whether any strategy discussed on this site fits your circumstances depends on facts specific to you. Consult a licensed professional, insurance, tax, legal, or investment, who knows your full situation before acting on anything you read here.

Insurance business through this site is conducted solely by individually licensed insurance producers affiliated with Pax Orbis LLC, each acting in their own licensed capacity in the states where they hold an active license. Pax Orbis LLC itself is not a licensed insurance producer in any state. All insurance business, quoting, applications, and advice about specific policies is conducted by an affiliated producer individually, and only with residents of states where that producer holds an active license.

If you reside in a state where no affiliated producer holds an active license, nothing on this site is a solicitation directed at you, and no insurance business can be transacted with you through this site. This site and any advertising promoting it (including paid social and search advertising) are intended to reach residents of the licensed states listed below. Advertising platforms target campaigns by geography but cannot guarantee perfect accuracy, and this site remains publicly viewable regardless of where a visitor is located. If you view this site, click an advertisement, or submit an inquiry from a state not listed below, no advisory, fiduciary, or producer relationship is formed, no insurance advice or product recommendation will be provided to you, and any such inquiry will be declined or redirected to a properly licensed professional in your state. Submitting a form or booking a call does not itself establish that you are eligible to do business with us; eligibility is confirmed only after your state of residence is verified.

Whole life insurance policies contain contractual minimum guarantees, set by the issuing insurance company and backed by its financial strength and claims-paying ability, not by Pax Orbis LLC. Where this site describes something as "guaranteed," it refers specifically to that contractual minimum, such as a guaranteed minimum cash value schedule or a guaranteed death benefit, never to a blanket promise of overall investment return. Dividends, where mentioned, are non-guaranteed. They are declared annually at the discretion of the issuing mutual insurance company based on its actual mortality, expense, and investment experience, and are not a contractual obligation. Past dividend performance, whether from policies referenced on this site or any carrier's historical scale, does not predict future dividends.

Any numbers, charts, or figures used on this site to illustrate how a policy or strategy might perform are hypothetical and for educational purposes only, unless expressly labeled as figures from an in-force policy. Actual policy illustrations are carrier-specific, regulated documents that must be reviewed in full, including the guaranteed and non-guaranteed columns, before any purchase decision. No illustration or projection shown here is a promise of what any policy you purchase will actually do.

This site does not currently publish client testimonials or endorsements. If testimonials are added in the future, they will reflect genuine, unedited client experiences, any compensation or material connection will be disclosed, and results described by any one client will be presented as individual, not representative of what any other client should expect.

Pax Orbis LLC's licensed producer is compensated through commissions paid by insurance carriers when a policy is issued. Booking a call or requesting information through this site costs you nothing, and no fee is charged for education or quotes. Commission-based compensation is standard in the insurance industry and does not change the guaranteed and non-guaranteed terms of any policy you are offered.

Browsing this site, booking a call, requesting a quote, or corresponding by email does not, by itself, create an advisory, fiduciary, or client relationship of any kind. A formal relationship begins only once you engage Pax Orbis LLC's licensed producer directly for a specific insurance need, in a state where they are licensed. Content on this site is general and impersonal; it is not adapted to any individual's specific portfolio, tax situation, or financial needs, and should not be treated as if it were.

This site links to paxorbis.io, a separate software platform operated by Pax Orbis LLC that is currently in pre-launch, waitlist-only status. Paxorbis.io is governed by its own disclaimer and privacy policy, is not an insurance product, and no insurance business is transacted there. Mentioning or linking to the Pax Orbis platform on this site does not condition, bundle, or tie any insurance product, quote, or service offered here to use of that platform; it is offered separately and is optional. This site may also link to or reference other third-party tools, carriers, or services, including advertising platforms described in our Privacy Policy; those links are provided for convenience, do not constitute endorsement beyond what is expressly stated, and are governed by the linked site's own terms, which we do not control and are not responsible for.

To the fullest extent permitted by law, Pax Orbis LLC disclaims all liability for any loss or damage, direct, indirect, incidental, or consequential, arising from your use of, or reliance on, this site or its content. Information on this site may be incomplete, delayed, or contain errors; verify anything important directly with Pax Orbis Financial or the relevant insurance carrier before making a decision.

Financial and insurance decisions carry real consequences, including the possibility that a product does not perform as illustrated or does not suit your needs. By using this site and engaging with Pax Orbis Financial, you accept full responsibility for your own decisions and their outcomes. If you are not prepared to accept that, do not rely on anything on this site and consult independent counsel before proceeding.

This disclaimer is governed by the laws of the State of New Jersey, without regard to conflict-of-law rules, without prejudice to any state insurance regulator's independent authority over insurance business conducted in that state. If any part of this disclaimer is found unenforceable, the remainder stays in full effect.

This disclaimer may be updated as the site, licensing footprint, or services evolve. The date at the top reflects the current version. Continued use of this site after a change means you accept the updated version.