Welcome to VariableUniversal.Life. This disclosure outlines the personal, professional, and financial relationships that may influence the content you read on this website. By accessing and using this website, you agree to this disclosure as well as the Terms of Use, Privacy Policy, and Disclaimer.
Who We Are
This website is operated by Mr. Crispino, a licensed Financial Advisor based in the Philippines. I have been certified since 2022 and passed both the ACE Variable Exam and the IIAC Traditional Insurance Exam. I focus primarily on helping Filipino families build their future and protect their income through Variable Universal Life (VUL) insurance solutions.
Nature of Content
All articles, illustrations, comparisons, and recommendations presented on this site are based on personal opinion and general financial principles. While I strive to provide useful, educational content, nothing on this site should be taken as personal financial advice or a direct offer to sell any insurance policy. The goal is to educate, not persuade or replace the role of a licensed advisor in your area.
Not a Solicitation or Contract
The content provided does not constitute an offer to sell, a solicitation to buy, or a formal representation of any insurance contract. Readers should understand that insurance products vary in availability, cost, structure, and benefit depending on the provider, the jurisdiction, and the insured’s personal profile.
Professional Affiliation
I am affiliated with licensed insurance providers authorized to sell Variable Universal Life (VUL) insurance. Any sample quotes or plan recommendations shown on this website are illustrative only and are based on assumed data for demonstration purposes. These may differ significantly from actual figures provided by your insurer.
Assumptions and Illustrations
All income projections, premium estimates, and investment returns are based on assumed rates and are not guaranteed. Actual results will vary based on market performance, policy charges, fund allocation, and other variables. Please consult a licensed financial advisor in your jurisdiction to obtain an official proposal tailored to your specific needs and financial situation.
External Links and Tools
This website may contain links to third-party websites or tools, including but not limited to form processors, quote calculators, and insurer websites. These tools are provided for convenience and information purposes only. We are not responsible for the accuracy, availability, or content of external resources and make no guarantees about their security or practices. Use them at your own discretion.
No Sponsored Content or Paid Endorsements
As of the date of this disclosure, we do not accept sponsored posts, paid reviews, or affiliate commissions from any insurer or financial service provider. All opinions expressed are personal and based on real-world experience in the field of financial advising.
Data Collection
Personal information collected on this website—including name, email, phone number, age, plan preferences, and income—is used solely to compute sample plan illustrations and to connect with interested users. We do not sell or share your data with third parties. Please refer to our Privacy Policy for full details.
Governing Law
This disclosure and the operation of this site are governed by the laws of the Philippines. Any legal disputes arising from the use of this site shall be resolved exclusively in the courts of competent jurisdiction in the Philippines.
Contact
If you have any questions regarding this disclosure, please reach out through our Contact Us page. Transparency and clarity are important to us, and we welcome all inquiries.
