Lifeco Associates, Inc. (“Lifeco”) is an independent life and health insurance agency located in Fort Lee, New Jersey.  Lifeco’s website is limited to disseminating general information pertaining to its insurance-related services, along with additional insurance/financial-related information, publications, and links. Accordingly, you should not construe Lifeco’s website as providing personalized insurance advice. If you are a prospective client, Lifeco will conduct any subsequent, direct communication with you through a representative who is registered or not required to register in the state where you reside.

Lifeco does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to or incorporated into Lifeco website, and takes no responsibility for that information. Lifeco provides any such information solely for convenience purposes, and if you use the information you must do so with this limitation in mind.

Certain portions of Lifeco’s website such as newsletters, articles, or commentaries may contain a discussion of, and/or provide access to, Lifeco’s (and those of other insurance and non-insurance professionals) recommendations as of a specific prior date. Due to various factors such as changing industry conditions and available products, these discussions may no longer reflect current recommendations. Moreover, you should not assume that any discussion is itself, or is a substitute for, personalized insurance advice from Lifeco.  Lifeco is neither a law firm nor an accounting firm, and you should not interpret any portion of the website content as legal, accounting or tax advice.  Additionally, Lifeco is not a brokerage firm or registered investment advisor.  

You agree, as a condition precedent to accessing Lifeco’s website, to release and hold harmless Lifeco and its related companies, officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of your actions and/or omissions which are independent of receiving personalized individual advice from Lifeco or its related companies.

Reproduction, distribution, republication, and/or retransmission of material contained within Lifeco’s website is prohibited unless the prior written permission of Lifeco has been obtained.  



To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained

 in this communication (including any attachments) is not intended or written to be used, and cannot be used

 for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.