Legal
Disclosures & terms of use
Important information about licensing, products, and how to use this website.
Licensing
Luke Simonetti is a licensed life insurance producer based in Wheeling, West Virginia. License # 22237344. Products and services are offered only where Luke Simonetti is properly licensed and where the product is approved. This website is not an offer or solicitation where that is not the case.
No offer of coverage
Nothing on this website is an application for insurance, a quote, a binder, or a guarantee of coverage. Coverage begins only after an application is submitted, underwritten, approved by the issuing insurance company, and the first premium is paid.
Policies, rates, and illustrations
Policy availability, features, riders, underwriting decisions, and premiums vary by insurance company, product, state, age, health, tobacco use, and coverage amount. Any figures discussed are illustrations only and are not a quote, an offer of coverage, or a guarantee. Coverage is not in force until an application is submitted, approved by the insurance company, and the first premium is paid. Guarantees are subject to the claims-paying ability of the issuing insurance company.
Indexed universal life
Indexed universal life (IUL) is a permanent life insurance product, not an investment, security, or savings account. Index credits are subject to caps, participation rates, spreads, and floors set by the insurance company and may change. Illustrated non-guaranteed values are hypothetical, are not projections of future results, and actual results will differ. Policy loans and withdrawals reduce cash value and death benefit, may cause the policy to lapse, and may create a taxable event. Costs of insurance and policy charges apply. Ask for a full carrier illustration, including guaranteed columns, before deciding.
Not tax, legal, or investment advice
This site is for general educational purposes and is not tax, legal, or investment advice. Please consult a qualified tax or legal professional about your specific situation.
Compensation
There is no fee to meet or to review options. If you purchase a policy, the issuing insurance company compensates the agent. Compensation arrangements are disclosed at the time of application as required by state law.
Website terms of use
Content on this website is provided for general educational purposes and may change without notice. It is provided "as is" without warranties of any kind. Do not send confidential or sensitive personal information through this website. Links to third-party sites are provided for convenience; we are not responsible for their content or privacy practices.
Accessibility
We aim to keep this website usable with a keyboard and with assistive technology. If you encounter a barrier, please call 304-780-3344 or email lukesimonetti@wwwlsli.com and we will help directly.
See also our privacy policy.