Disclosures and Licensing

Licensing

Insurance products are offered by M. Collins Chia, MHA, a licensed insurance agent with Opulence LD Inc., Dallas,Texas.Licensed in every state except Alaska and Hawaii. License numbers are available on request.You can confirm any agent’s license with the insurance department of your state.M. Collins Chia, MHA is not registered to sell securities and does not give investment advice.

How we are paid

Opulence LD is paid a commission by the insurance company when a policy is placed. The commission is built into the policy’s costs; it is not a separate charge to you. The strategy session is free.

Products

About indexed universal life. Indexed universal life is life insurance, not an investment in the stock market or in an index. Interest is credited based on an index’s price change, subject to crediting limits, such as a cap, participation rate, spread or floor, that vary by policy and can change. Policy charges, including the cost of insurance, are deducted whether or not interest is credited and can be larger than the interest credited. Loans and withdrawals reduce the cash value and the death benefit, may be taxable, and can cause the policy to lapse. Guarantees depend on the claims-paying ability of the issuing insurer. Coverage is subject to underwriting.

About annuities. Annuities are long-term insurance contracts. Withdrawals during the surrender period may incur surrender charges, and withdrawals before age 59½ may be subject to a 10% federal tax penalty. Fixed indexed annuities do not invest directly in any market index. Guarantees depend on the claims-paying ability of the issuing insurer.

Strategies

Free tools

Opulence LD

Disclosures

Licensing

How we are paid

Products

Tools and examples

General

Book a strategy session

Pick a time