Legal
Terms, Disclosures & Licensing
The commitments behind the content — written to be read, not buried.
Last updated: June 2026 · Placeholder pending legal and compliance review
Terms of use
Educational purpose
All content on this website is general financial education provided by Beat The Inflation (BTI). It does not constitute financial, legal, tax, or investment advice, and it is not an offer, solicitation, or application for any insurance product. Decisions about insurance and retirement products should be made with a licensed professional using carrier-specific materials.
No advisory relationship
Use of this website, its calculators, or its resources does not create an advisory, fiduciary, or agent–client relationship. BTI does not provide personalized investment advice and does not operate as a registered investment adviser.
Hypothetical illustrations
Calculators and examples produce hypothetical, simplified illustrations that will differ from the performance of any actual product. They exist to teach concepts, not to project outcomes. No guarantee of future performance is made or implied anywhere on this platform.
Product limitations
Indexed Universal Life and annuity products involve fees, charges, surrender periods, and eligibility requirements, and may not be suitable for everyone. Guarantees are backed solely by the claims-paying ability of the issuing insurance carrier. Insurance products are not FDIC insured, are not bank guaranteed, and variable products may lose value.
Testimonials
Testimonials reflect individual experiences with educational consultations, are voluntarily provided, and are uncompensated unless explicitly disclosed. They are not predictions of outcomes or product performance, and they have been reviewed for compliance before publication.
Licensing
Insurance products discussed on this platform are offered only through professionals holding active licenses in the relevant state. Educational content reviewed by licensed insurance professionals. License number(s): [pending — replace with state license numbers before launch]. A list of states in which affiliated professionals are licensed will be published here before launch.
Intellectual property & acceptable use
Content on this site may be shared for personal, non-commercial education with attribution. Scraping, republication for commercial purposes, or use of BTI branding without permission is prohibited.
Limitation of liability
BTI provides this website “as is.” To the maximum extent permitted by law, BTI is not liable for decisions made in reliance on educational content or hypothetical illustrations. Your sole remedy for dissatisfaction is to discontinue use of the site.
Standing disclosures
These disclosures appear across the platform and are managed through the compliance workflow in the BTI admin portal.
Educational purposes only
Beat The Inflation (BTI) provides general financial education. Nothing on this site constitutes financial, legal, or tax advice, and nothing is an offer or application for insurance. Consult licensed professionals about your specific situation.
Product fees and limitations
Indexed Universal Life and annuity products involve fees, charges, and surrender periods, and may not be suitable for everyone. Guarantees are backed solely by the claims-paying ability of the issuing insurance carrier. Review all carrier materials carefully before purchasing.
Not FDIC insured
Insurance products are not FDIC insured, are not bank guaranteed, and — for variable products — may lose value.
About BTI
Beat The Inflation is a financial education and marketing organization. BTI does not issue insurance products; products are offered through licensed professionals appointed with affiliated insurance carriers. Carrier names shown in demo content are placeholders pending partner permissions.
Hypothetical illustration
Results are hypothetical illustrations and not guarantees of future performance. Calculations use simplified assumptions that will differ from any actual product. Speak with a licensed professional for a personalized analysis.
Testimonial disclosure
Testimonials reflect individual experiences with educational consultations, are voluntarily provided without compensation unless otherwise disclosed, and do not predict outcomes or product performance.