Welcome to VariableUniversal.Life. By using this website, you agree to this Disclaimer and acknowledge that it forms part of the site’s overall Terms of Use, along with our Terms of Use, Privacy Policy, and Disclosure pages.

For Educational Purposes Only

All content provided on this website—including blog posts, illustrations, calculations, and opinion pieces—is intended for general education and informational purposes only. It is not a substitute for personalized financial advice, legal guidance, or investment consultation from licensed professionals.

This site provides insights into Variable Universal Life (VUL) insurance based on the personal knowledge, opinion, and experience of Mr. Crispino, a licensed Financial Advisor. However, none of the content should be interpreted as an official insurance offer or product recommendation.

No Guarantees or Warranties

While we strive for accuracy, we do not guarantee the completeness, reliability, or timeliness of the information presented. Income projections, premium estimates, and fund growth simulations are based on assumptions and do not reflect actual or guaranteed results. Insurance returns are influenced by market conditions, policy structures, and individual circumstances, all of which may vary.

Use at Your Own Risk

By accessing and using this website, you agree that any reliance on the content is solely at your own risk. VariableUniversal.Life, its owner, and contributors shall not be held liable for any direct or indirect losses, damages, or consequences arising from the use or misuse of the content presented here.

Professional Advice Disclaimer

Nothing on this site constitutes financial planning, tax strategy, legal counsel, or investment advice. We strongly encourage you to consult with a licensed financial advisor or insurance professional in your jurisdiction before making decisions related to insurance products or long-term planning.

Regulatory Differences

Insurance laws, regulations, and product availability vary from one country or region to another. The examples, policies, and references shared on this site are based primarily on practices within the Philippines and may not be applicable elsewhere. Always verify regulatory requirements and insurer legitimacy in your own country.

Third-Party Tools and Links

This site may include links to external websites or use WordPress plugins developed by third parties. We are not responsible for the content, terms, or privacy practices of these third parties. Any use of such services is at your discretion.

No Contractual Obligation

None of the content, resources, or information on this website forms a contract or part of an offer to buy or sell any product. All illustrations are hypothetical and should not be interpreted as a guarantee or legally binding statement.

Governing Law

This Disclaimer shall be governed by and interpreted in accordance with the laws of the Philippines. Any disputes arising out of your use of this site shall be resolved exclusively by the appropriate courts of the Philippines.

Contact Us

If you have questions or concerns about this Disclaimer, please contact us via our Contact Us page.