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Disclaimer – Disclosure

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Disclosure: This is not an offer to sell securities. Any investment must be made pursuant to all appropriate legal contracts, agreements and, where required, an offering memorandum. Interested persons are invited to obtain a copy of the offering memorandum.

All investments involve different degrees of risk. You should be aware of your risk tolerance level and financial situations at all times. Furthermore, you should read all transaction confirmations, monthly, and year-end statements. Read any and all contracts, prospectuses or offerings carefully before making any investment decisions. You are free at all times to accept or reject all investment recommendations made by Higher Life Estates Inc. and it’s associates. All products sold by Higher Life Estates Inc. and it’s associates are subject to market risk and may result in the entire loss to the client’s investment. (For example: market conditions may result in the depletion of your equity.) Please understand that any losses are attributed to market forces beyond the control or prediction of Higher Life Estates Inc. and it’s associates. As you know, a recommendation, which you are free to accept or reject, is not a guarantee for the successful performance of an investment and we are expressly prohibited from guaranteeing against losses arising from market conditions.