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The information contained on this Web Site does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or any insurance product. All insurance and/or securities transactions require signed agreements between New Era Life Insurance Companies and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, on-line, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Web Site constitutes your agreement to the additional Terms of Use applicable to such use. Some products may not be available in all jurisdictions. In addition, any prospectus information available on this Site is posted for informational purposes only.