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Disclaimer: The information covered is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice. It can’t be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. You are encouraged to consult your tax attorney or advisor. Guarantees are backed by the financial strength and claims paying ability of the issuing insurer. Riders may be available at an additional cost. Product and features may vary from state to state. For full details on how life insurance works, including fees, expenses, and costs, contact our office at 703-981-4421. When you do, make sure and ask for a free copy of the book, The RAFT Strategy: Your Retirement Approach Free of Tax & Other Safe Investing Secrets