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We save clients tens of millions of dollars versus illustrated level premium each year.

Forward Looking Statements

This Web Site may from time to time contain forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995. That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of the Company or any of its subsidiaries or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement. These statements and forecasts involve risk, uncertainty and assumptions because they relate to events and depend upon circumstances that will occur in the future. There are a number of factors that could cause actual results or developments to differ materially from those expressed or implied by these forward-looking statements. These forward-looking statements are made only as at the date they were last dated or at the date of the document in which are contained. Except as required by law, Institutional Life Services, LLC has no obligation to update the forward-looking statements or to correct any inaccuracies therein.