No Tax or Investment Advice Disclaimer

AskSasson.com, Last updated: June 4, 2026

No Tax Advice

Content on AskSasson.com may discuss how certain insurance products, such as life insurance, annuities, and long-term care insurance, interact with tax law in general conceptual terms. For example, content may describe:

• The general income-tax-free nature of life insurance death benefits under IRC §101(a)
• How annuity accumulation is tax-deferred inside a non-qualified contract
• The general framework for 1035 exchanges under IRC §1035
• How long-term care insurance premiums may be deductible under certain circumstances

These descriptions are general educational frameworks only. They do not account for your specific tax situation, filing status, income level, state tax laws, existing contracts, or any other individual circumstances. Tax laws are complex and change frequently.

Do not make any tax-related decision based on content from this site. Consult a licensed CPA, enrolled agent, or tax attorney for advice specific to your situation.

No Investment Advice

Sasson Emambakhsh does not hold a Series 65, Series 66, or investment adviser representative (IAR) registration. He is not a registered investment adviser (RIA) under the Investment Advisers Act of 1940 or any state investment adviser law.

Nothing on this site constitutes:

• Investment advice or investment management services
• A recommendation to buy, hold, or sell any security, stock, bond, mutual fund, ETF, or other investment product
• Portfolio management or asset allocation advice
• Retirement plan investment recommendations (e.g., how to allocate a 401(k) or IRA)
• Advice on variable life insurance or variable annuity subaccount allocation (these are securities products requiring FINRA registration)

If you need investment advice, consult a registered investment adviser or FINRA-registered broker-dealer. You can research financial professionals at FINRA BrokerCheck and verify investment adviser registrations at SEC IAPD.

No Securities Products

AskSasson.com does not discuss, promote, or facilitate the purchase of securities products, including:

• Variable life insurance or variable universal life insurance
• Variable annuities
• Indexed securities products registered under the Securities Act of 1933
• Stocks, bonds, mutual funds, ETFs, or similar instruments

The insurance products discussed on this site, term life, whole life, universal life (fixed), fixed annuities, fixed indexed annuities (where applicable), disability insurance, and long-term care insurance, are generally not securities products. However, any specific product's regulatory classification depends on its terms and applicable law; confirm the nature of any product with the issuing carrier and your licensed professional before purchasing.

No Legal Advice

Nothing on this site constitutes legal advice. Content may discuss how laws generally apply to insurance products or transactions in an educational context, but this is not a substitute for advice from a licensed attorney. If you need legal advice regarding an insurance contract dispute, estate planning, beneficiary designations, or any other legal matter, consult a qualified attorney licensed in your jurisdiction.

Interaction with Insurance Products and Taxes

The intersection of insurance and taxation is a legitimate area of consumer education. However, the following topics in particular require individualized professional guidance and should not be acted upon based solely on general educational content:

• Policy loans and their potential tax consequences (including modified endowment contract status)
• Surrender of a life insurance policy and recognition of gain
• 1035 exchanges and their requirements and tax treatment
• Annuity distributions, required minimum distributions (RMDs), and exclusion ratios
• Long-term care insurance premium deductibility based on age and itemized deduction thresholds
• Estate tax treatment of life insurance proceeds
• Business uses of life insurance (e.g., key-person policies, buy-sell agreements, COLI)

General explanations of these topics may appear on this site for educational purposes only. They are not personalized guidance.

AI Assistant Limitation, Tax and Investment Topics

The AI assistant integrated with this site's Disqus comment sections is also expressly prohibited from providing tax advice or investment advice. If you ask the AI assistant a question about the tax treatment of a specific product in your situation, the AI should decline to give specific tax guidance and refer you to a qualified tax professional. If an AI response appears to provide specific tax or investment guidance, please disregard it for advisory purposes.

Who to Consult

• For tax advice: CPA, enrolled agent, or tax attorney licensed in your state
• For investment advice: Registered Investment Adviser (RIA) or FINRA-registered broker-dealer
• For legal advice: Licensed attorney in your jurisdiction
• For insurance coverage advice: Licensed insurance producer in your state (Sasson Emambakhsh is available for no-obligation consultations in NV, TX, FL, AZ, and VA, see main page for contact details)

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Licensed insurance producer (NV #4185790 | TX #3460699 | FL #G322852 | AZ #22097825 | VA #1569892). Educational information only, not financial, legal, or tax advice. © 2026 Sasson Emambakhsh. All rights reserved.