Important Insurance and Financial Product Disclosures

Rogan Agencies, LLC is an independent insurance agency providing life insurance, retirement-income, annuity, mortgage-protection, funeral-planning, and estate-planning educational services.

Insurance services are provided by:

• Sheree Rogan, RFC®
• Licensed Life Insurance Broker
• Retirement & Wealth Protection Specialist
• Certified Funeral Plan Consultant
• Rogan Agencies, LLC

Rogan Agencies, LLC is not an insurance company. Insurance and annuity contracts are issued and guaranteed by the applicable insurance carrier, not by Rogan Agencies, LLC or Sheree Rogan.

As an independent insurance agency, Rogan Agencies, LLC may present products from multiple insurance companies. However, Rogan Agencies, LLC does not represent every insurance company or every product available in the marketplace.

Product recommendations are based on the information provided by the prospective client, the products available through the agency, producer licensing and appointments, carrier underwriting requirements, and the client’s stated insurance and financial objectives.

Insurance products may be offered only in states (Look up your state) where Sheree Rogan and/or Rogan Agencies, LLC is properly licensed and appointed, when an appointment is required.

Not every product, insurance company, rider, benefit, premium option, interest-crediting strategy, or planning solution described on this landing page is available in every state.

Product eligibility and pricing may be affected by factors including:

• Age
• State of residence
• Health and medical history
• Tobacco or nicotine use
• Prescription history
• Occupation
• Driving history
• Financial eligibility
• Coverage amount
• Carrier underwriting requirements

Scheduling a consultation does not guarantee eligibility, approval, pricing, coverage, policy issuance, or a specific financial outcome.

Completing an online form, downloading educational materials, scheduling an appointment, speaking with a representative, receiving a quote, or reviewing an illustration does not create insurance coverage.

Coverage is effective only after all applicable carrier requirements have been satisfied, which may include:

• Completion and submission of an insurance application
• Verification of identity and financial information
• Medical or prescription-history review
• Carrier underwriting and approval
• Delivery and acceptance of the policy
• Completion of outstanding amendments or forms
• Receipt and acceptance of the required premium
• Satisfaction of any additional carrier conditions

Do not cancel, surrender, reduce, replace, or stop paying an existing policy until the new coverage has been formally approved, issued, accepted, and confirmed to be in force.

Rogan Agencies, LLC may assist clients with term life insurance, whole life insurance, indexed universal life insurance, final-expense insurance, mortgage-protection insurance, and other carrier-approved life insurance products.

Life insurance is designed primarily to provide a death benefit to designated beneficiaries. Certain policies may also contain cash value, accelerated death benefits, living-benefit riders, income options, or other features.

Benefits are subject to the definitions, eligibility requirements, exclusions, limitations, waiting periods, and contractual provisions of the specific policy and riders.

Living benefits are not automatically payable whenever an insured person becomes sick or injured. The insured must satisfy the applicable carrier’s contractual definition of a qualifying terminal, chronic, critical, or other covered condition.

Receiving an accelerated death benefit will generally reduce the remaining death benefit and may also reduce policy values. Benefits may have tax, Medicaid, public-assistance, creditor, or other financial consequences. Clients should consult their own qualified advisers regarding their individual circumstances.

Indexed universal life insurance, commonly called IUL, is permanent life insurance designed primarily to provide a death benefit. It may also build cash value based partly on interest-crediting methods linked to the performance of one or more external market indexes.

An IUL policy does not directly invest in the stock market, stocks, securities, or the underlying index. The policy owner does not receive index dividends.

Indexed interest may be affected by:

• Caps
• Participation rates
• Spreads
• Index-crediting methods
• Segment dates
• Policy charges
• Cost-of-insurance charges
• Premium amounts and timing
• Withdrawals and policy loans
• Changes permitted under the contract

An IUL is not a short-term savings vehicle. It is a long-term life insurance contract that must be properly designed, funded, and monitored.

Cash value accumulation is not guaranteed unless specifically identified as guaranteed in the policy or carrier-approved illustration. Actual policy performance may be higher or lower than illustrated.

A policy that is surrendered or lapses with gains or an outstanding loan may create a taxable event. Modified Endowment Contract rules may also affect the taxation of distributions.

Rogan Agencies, LLC does not provide tax advice. Clients should consult a qualified tax professional before relying on life insurance for supplemental retirement income or taking substantial loans or withdrawals.

Any life insurance illustration presented by Rogan Agencies, LLC will be a carrier-approved illustration.

Illustrated nonguaranteed values are hypothetical and are not promises, predictions, estimates, or guarantees of actual future performance.

Clients should carefully review:

• Guaranteed values
• Non Guaranteed values
• Premium assumptions
• Policy charges
• Cost-of-insurance assumptions
• Surrender values
• Death-benefit options
• Loan provisions
• Withdrawal provisions
• The effect of lower credited interest
• The premium required to keep the policy in force

No verbal statement, landing-page example, social-media post, video, calculator, or informal projection replaces the official carrier-approved illustration and policy contract.

Whole life and final-expense insurance are life insurance products intended to provide a death benefit, subject to policy terms.

Some policies may include graded, modified, limited, or waiting-period benefits. An accidental-death benefit during a waiting period is not the same as immediate full natural-death coverage.

Premiums, cash values, death benefits, and guarantees vary by product and carrier.

Statements such as “day-one coverage,” “no medical exam,” “guaranteed acceptance,” or “immediate coverage” apply only when supported by the specific carrier-approved product and when the applicant satisfies all applicable eligibility requirements.

“No medical exam” does not necessarily mean “no health questions” or “automatic approval.” Carriers may review prescription history, medical databases, application responses, and other permitted underwriting information.

Final-expense benefits are paid to the named beneficiary unless the applicable contract provides otherwise. The benefit is not automatically assigned to a funeral home and may be used by the beneficiary for purposes other than funeral expenses.

Mortgage protection offered through Rogan Agencies, LLC is life insurance or another applicable insurance product designed to help provide financial protection following a qualifying death, illness, or covered event.

It is not mortgage insurance issued by a lender and does not automatically pay a mortgage company unless the lender is properly designated under the contract.

The benefit is generally paid according to the policy’s beneficiary designation and contractual terms. Beneficiaries may choose how to use life insurance proceeds unless a valid assignment or other contractual arrangement applies.

Coverage does not guarantee that an entire mortgage will be paid off. The available benefit depends on the policy amount, policy status, beneficiary designation, outstanding loans, accelerated benefits previously received, and other contractual factors.

Rogan Agencies, LLC is not affiliated with the recipient’s mortgage lender, bank, credit union, real-estate agent, county land-record office, or government agency unless expressly stated.

Rogan Agencies, LLC may assist eligible clients with fixed annuities and fixed indexed annuities intended for long-term retirement accumulation, principal protection, income planning, or legacy objectives.

An annuity is an insurance contract issued by an insurance company. It is not a bank account or direct stock-market investment.

All guarantees are based solely on the financial strength and claims-paying ability of the issuing insurance company.

A fixed indexed annuity (FIA) does not directly invest in the stock market or the index used to calculate potential interest credits. The contract owner does not receive index dividends.

Interest credits may be affected by participation rates, caps, spreads, crediting methods, index terms, and other limitations. These factors may change during the contract, subject to its guaranteed minimum provisions.

Any premium bonus offered by an annuity carrier is subject to the terms of the specific contract.

A bonus may be subject to:

• Vesting schedules
• Surrender periods
• Recapture provisions
• Withdrawal limitations
• Product-specific requirements

An income-benefit base or rider value is generally an accounting value used to calculate eligible future income. It is not necessarily the contract’s cash value and may not be available as a lump-sum withdrawal.

“Guaranteed lifetime income” applies only when provided under the contract’s annuitization provisions or an applicable income rider and all contractual requirements are satisfied. Taking excess withdrawals may reduce or terminate income guarantees.

Rogan Agencies, LLC may provide information and enrollment assistance for a group funeral plan that allows a member to make a monthly contribution for the benefit of a covered group of up to seven eligible individuals.

This is a group-based funeral contribution program. It should not be described as an individual life insurance policy.

The monthly contribution, number of eligible group members, enrollment requirements, available services, benefit amounts, waiting periods, exclusions, limitations, and participating funeral providers are governed by the official group plan agreement.

Enrollment in the group plan does not guarantee that every funeral-related expense will be fully paid. Covered services and expenses may differ from the total cost charged by a funeral home, cemetery, crematory, or other service provider.

Unless specifically included in the written plan documents, the following expenses may not be covered:

• Cemetery plots
• Headstones or monuments
• Flowers
• Obituaries
• Additional merchandise or upgraded services

The plan may require continuous and timely monthly contributions to remain active. Missed, late, or discontinued contributions may affect eligibility, participation, or available benefits according to the plan’s written terms.

Eligibility for the member and each additional person included in the group may be subject to age limits, residency requirements, relationship requirements, enrollment deadlines, waiting periods, or other plan rules.

The ability to include up to seven people does not necessarily mean that all seven individuals receive the same benefit amount or identical services. Members should review the benefit schedule and eligibility requirements for each person added to the plan.

Rogan Agencies, LLC is not a funeral home, cemetery, crematory, mortuary, or government agency. Rogan Agencies, LLC does not perform funeral services, control funeral-home pricing, or guarantee that a funeral provider will accept the plan as payment in full.

Sheree Rogan’s title as a Certified Funeral Plan Consultant reflects her professional training and role in educating consumers about funeral-planning options. It does not mean that she operates a funeral home or personally guarantees funeral services, prices, or benefits.

The official group plan agreement controls if any statement on this landing page differs from the plan’s written terms.

Rogan Agencies, LLC may provide access to estate-planning educational tools, document-preparation technology, organizational resources, and services made available through independent third-party providers.

Rogan Agencies, LLC and Sheree Rogan are not a law firm and do not provide legal advice.

The Estate Planning Starter Kit and related checklists, worksheets, guides, videos, or organizational resources are educational tools. They are not a substitute for individualized legal advice and do not create an attorney-client relationship with Rogan Agencies, LLC.

When legal-document services are provided through an independent platform or attorney network, the applicable attorney or third-party provider—not Rogan Agencies, LLC—is responsible for the legal services it provides.

Estate-planning documents may include, depending on the selected service and jurisdiction:

• Revocable living trust documents
• Certification of trust
• Assignment of property
• Pour-over will
• Trust-funding instructions
• Financial power of attorney
• Medical power of attorney
• HIPAA authorization
• Healthcare directive
• Personal-property memorandum
• Remembrance or final-wishes documents

The availability, legal effect, execution requirements, notarization requirements, witness requirements, and suitability of these documents vary by state and individual circumstances.

Creating a trust does not automatically fund it. Clients are responsible for properly retitling or assigning eligible assets and updating beneficiary designations with guidance from qualified legal, tax, and financial professionals.

Rogan Agencies, LLC does not guarantee that any document will avoid probate, reduce taxes, protect assets from creditors, qualify a person for Medicaid, or accomplish a specific legal result.

Information provided by Rogan Agencies, LLC through this landing page, consultations, videos, seminars, checklists, digital products, social media, email, or text message is for general insurance and financial education.

Unless separately disclosed in writing, Rogan Agencies, LLC and Sheree Rogan do not provide:

• Legal advice
• Tax advice
• Accounting advice
• Securities recommendations
• Investment-advisory services
• Investment portfolio management
• Real-estate advice
• Medicaid-planning advice

The RFC® designation is a professional designation. It does not represent a government license, securities registration, attorney license, certified public accountant license, or guarantee of results.

“Retirement & Wealth Protection Specialist” describes the agency’s insurance and retirement-income planning focus. It does not mean that Rogan Agencies, LLC is a registered investment adviser or that Sheree Rogan offers securities unless separately licensed and specifically disclosed.

Rogan Agencies, LLC does not guarantee:

• A particular interest-crediting rate
• A specific cash-value amount
• A particular retirement-income amount
• That a policy will remain in force without additional premiums
• That a client will never experience policy-value reductions
• That an insurance strategy will outperform another strategy
• That a person will qualify for coverage
• That an annuity will be appropriate for every consumer
• That estate-planning documents will produce a specific legal result
• That funeral costs will be completely covered
• A particular tax result

Examples, case studies, calculators, charts, and illustrations are for educational purposes and are based on stated assumptions. Actual results will vary.

Testimonials and reviews displayed by Rogan Agencies, LLC represent the individual experiences and opinions of the persons providing them.

They do not guarantee that another client will receive the same coverage, premium, approval, interest credit, cash value, retirement income, customer-service experience, or financial result.

Individual results vary based on the product selected, carrier, underwriting, health, age, premium, financial circumstances, policy performance, contract terms, and other factors.

Information submitted through this landing page may be used to:

• Respond to an inquiry
• Schedule a consultation
• Provide requested educational materials
• Evaluate potential insurance needs
• Obtain preliminary product information
• Communicate about insurance, annuity, funeral-planning, retirement, or estate-planning services
• Provide customer service
• Meet applicable legal and compliance requirements

Do not submit Social Security numbers, full bank-account numbers, medical records, driver’s-license images, or other highly sensitive information through a general or unsecured landing-page form.

Sensitive information required for an insurance application should be submitted only through a carrier-approved application system, secure client portal, encrypted process, or other approved method.

Information is handled according to Rogan Agencies, LLC’s Privacy Policy and applicable law.

By entering your telephone number and selecting the consent checkbox before submitting the form, you agree that Rogan Agencies, LLC and Sheree Rogan may contact you regarding your request and related insurance, annuity, retirement, mortgage-protection, funeral-planning, and estate-planning services.

Contact may be made by telephone call, text message, or email at the information you provide, including through automated dialing or messaging technology and prerecorded or artificial voice where legally permitted.

Consent is not a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for assistance. You may also request that calls or emails stop by contacting Rogan Agencies, LLC directly.

Your consent applies only to Rogan Agencies, LLC and its representatives unless the form clearly and separately identifies another specific company.

By submitting the form, you confirm that you are the authorized user of the telephone number and email address provided.

• Rogan Agencies, LLC
• Sheree Rogan, RFC®
• Licensed Life Insurance Broker
• Retirement & Wealth Protection Specialist
• Certified Funeral Plan Consultant

• Website: roganagencies.com
• Email: Sheree@roganagencies.com
• Telephone: 800-824-0787
• Business/Mailing Address: 722 Dulaney Valley Road, Suite 334 Towson, MD 21204
• National Producer Number: 18160007

Insurance products are offered only in states where the producer is appropriately licensed and appointed, when required.

For licensing information or to confirm whether services are available in your state, contact Rogan Agencies, LLC before submitting an application.