Important disclosures

Agency identity

California insurance business on this website is presented under Prime Fortune Insurance Agency. California Insurance License #6017840 was provided by the agency owner; current license status and authorized lines must be verified through the California Department of Insurance before launch.

Educational information

This website provides general insurance education and an invitation to contact the agency. It is not a policy, an offer to bind insurance, or individualized investment, tax, legal, or accounting advice. Consult qualified professionals for those services.

Coverage and availability

Coverage is subject to eligibility, underwriting, insurer acceptance, state availability, exclusions, limitations, and issued contract terms. Descriptions are summaries. Not every product or rider is available to every applicant or in every state. No coverage begins or changes through an inquiry form.

Life insurance and IUL

Life insurance requires adequate funding and may lapse. Indexed universal life is insurance, not a direct investment in a stock index. Non-guaranteed illustrations are not predictions. Caps, participation rates, and other crediting terms can change within contract limits. Charges may reduce cash value even when index crediting is zero.

Policy access and taxes

Loans accrue interest. Loans, withdrawals, and surrenders can reduce cash value and death benefits, cause lapse, and have tax consequences. No statement on this website promises tax-free retirement income or a particular tax result. Seek personalized tax advice.

Annuities

Annuities are insurance contracts, not bank deposits, and are not FDIC insured. Guarantees depend on the issuing insurer’s claims-paying ability. Contract charges, surrender restrictions, optional rider costs, tax consequences, and possible market value adjustments should be reviewed before purchase or replacement.

Living benefits

Accelerated death benefit riders apply only to qualifying conditions under the contract. Payments may be discounted or subject to fees and generally reduce the remaining death benefit. These riders are not comprehensive health, disability, or long-term care insurance.

Recruiting

Opportunity inquiries do not constitute an employment offer or income guarantee. Any role, contractor or employee relationship, licensing requirements, compensation, expenses, and support must be established in writing. No earnings, carrier access, or training entitlement is promised here.

Translations and accessibility

English and Simplified Chinese pages support understanding. The issued policy and legally controlling documents govern. Ask for clarification when translations differ. For help accessing website content, email [email protected].

External services

The Agent Portal points to https://crm.ffimusa.com/ at the owner’s instruction. A sign-in screen was observed during review; authenticated access has not been tested. External services have their own terms. Do not enter credentials into an unexpected page.