Producer Compensation Disclosure

I receive compensation from insurance companies in connection with the sale of insurance products. This compensation is paid by the insurance companies and may include:

• Commissions: Commission payments based on a percentage of premiums paid or policy face amounts
• Bonuses: Performance-based bonuses related to volume, persistency, or other factors
• Expense Allowances: Reimbursement for certain expenses incurred in connection with policy sales and servicing
• Contingent Commissions: Additional compensation that may be paid based on the profitability or volume of business placed with an insurer

The specific amount and structure of compensation varies by insurance company and product type.

The compensation I receive may vary based on several factors, including:

• Product Type: Different products (term life, whole life, universal life, annuities) may have different commission structures
• Insurance Company: Each insurance company has its own compensation schedule
• Policy Face Amount: Larger policies may have different commission rates
• Volume of Business: I may receive additional compensation based on the total volume of business placed with a particular insurer
• Profitability: Some insurers pay contingent compensation based on the profitability of the policies I sell
• Persistency: Compensation may be adjusted based on whether policies remain in force over time

Material Ownership Interests: As of the date of this disclosure, I do not have any material ownership interests (5% or more) in any insurance company, insurance producer organization, or related entity that would affect the compensation I receive.

Insurance Company Ownership: The insurance companies with which I place business do not have any material ownership interests (5% or more) in me or any organization with which I am affiliated.

Affiliation: I am affiliated with Crump Life Insurance Services through Stone Press Financial Group for the purposes of placing insurance products. This affiliation may affect the compensation structure.

Compensation Alteration: The amount of compensation I receive is determined by the insurance companies based on their compensation schedules and agreements. I cannot independently alter the amount of compensation I receive from an insurer for a specific sale.

However, I may have the ability to influence total compensation by:

• Selecting which insurance company to use for your policy
• The volume of business I place with a particular insurer
• The types of products I recommend and sell