Important Information

Visual Xiong — Independent Licensed Insurance Agent

Freedom Equity Group

NPN: 15791347

MN Resident Insurance License #40634956

Licensed in multiple states. See Licensing & Disclosures for the current list. A current state-by-state license list is available on request.

This website is for educational purposes only and does not constitute tax, legal, investment, or financial advice. Insurance and annuity products vary by product, carrier, state availability, underwriting approval, and policy terms. Living benefits are subject to eligibility requirements and may reduce the policy's death benefit. Product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Please consult a licensed professional for personalized guidance.

Life insurance product features, riders, premiums, benefits, and availability vary by carrier, product, state, and underwriting. Living benefit access is subject to qualifying events and policy terms; using a living benefit may reduce the policy's death benefit. Not all applicants will qualify.

Annuities are long-term insurance products designed for retirement. Surrender charges, fees, and tax consequences may apply to early withdrawals; withdrawals prior to age 59½ may be subject to an IRS penalty. Indexed annuities are not investments in the stock market. Product features, indexes, caps, participation rates, and guarantees vary by carrier, product, and state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

The strategies described are general concepts, not specific recommendations. Suitability depends on each client's situation, goals, state of residence, underwriting, and product availability.

Coaching and mentorship services are educational and business-development in nature. They are not legal, tax, investment, or insurance advice and do not create an agency, employment, or fiduciary relationship.

Information you submit through this website is used solely to follow up on your request for protection, retirement, or mentorship guidance. We do not sell your information to third parties. Information may be shared with carriers or service providers strictly as needed to prepare options or service your request, and as required by law.

Use of this website is at your own discretion. Content may be updated, corrected, or removed at any time without notice. Third-party names, logos, and product references are the property of their respective owners and do not imply endorsement.