IUL (Indexed Universal Life) benefits:

1. **Investment Growth Disclaimer:**

"Growth rates of 6-15% linked to the S&P 500 and/or other markets* are based on historical performance and market conditions, and are not guaranteed. Actual returns may vary."​

2. **Downside Protection Disclaimer:**

"Protection against losses in a down market with a 0% Floor* is subject to policy terms and conditions. It does not eliminate the risk of market fluctuations."​

3. **Tax Disclaimer:**

"No Tax on accumulation or gain in the account* is based on current interpretations of tax law under sections 72e, 7702, and 101a. Tax laws are subject to change and individual circumstances may vary."

4. **"Be Your Own Bank" Disclaimer:** ​

"The 'Be Your Own Bank' concept allows borrowing against cash value at rates as low as 2%*, subject to policy terms and conditions."​

5. **General Disclaimer:**

"Insurance products, including Indexed Universal Life (IUL), involve fees, risks, and potential surrender charges. Policy benefits, features, and rates may vary by insurer and state. Consult your financial advisor or tax professional regarding your specific situation."

These disclosures should help provide transparency and clarity to visitors about the benefits and potential risks associated with the IUL product you are offering. Always ensure these disclosures comply with legal and regulatory requirements applicable to insurance and financial services in your jurisdiction.