Disclosures and Important Information

SharpStone Financial offers life insurance and annuity products in the United States. Chadley Crull is licensed to conduct business and sell Life Insurance and Annuities in the United States. We do not offer securities or investment advisory services. Insurance and annuity products are subject to fees, terms, conditions, and limitations, which vary by product and issuing company. Guarantees are subject to the claims-paying ability of the issuing insurer. Annuities are long-term insurance products intended to address income planning and other retirement considerations. Product features, rider availability, costs, and surrender periods vary by state, contract, and insurer. Withdrawals may reduce contract value and may be subject to surrender charges and applicable taxes. All guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Fixed indexed annuities are long-term insurance products designed for retirement planning purposes. Interest credited is based on the performance of an external market index, subject to contract limitations including caps, participation rates, spreads, or other features. Fixed indexed annuities are not securities and do not directly participate in the stock market. Index gains do not include dividends. Surrender charges may apply to withdrawals in excess of any free withdrawal amount. Withdrawals may reduce contract value and may be subject to ordinary income taxes, and if taken prior to age 59½, may be subject to an additional 10% federal tax penalty. All guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. This information is provided for educational purposes only and does not constitute financial, legal, or tax advice. Life insurance policies are subject to underwriting approval and policy terms. Policy features, benefits, and premiums vary by product and issuing company. Not all policies are available in all states. SharpStone Financial offers Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and Indexed Universal Life Insurance. SharpStone Financial offers Multi-year guaranteed, Fixed, and Fixed Indexed Annuities.