Terms & Disclosures

Effective Date: June 8, 2026

1. General Notice

The information presented on restantinsurance.com is provided by Remnant Financial Foundation, LLC, a California licensed insurance agency operating under the trade name Restant™. The information is for educational purposes only.

This document does not constitute an offer to sell, a solicitation to buy, or a recommendation regarding any insurance product, security, mortgage product, or other financial product. Information published on this site is not intended as legal, tax, accounting, or investment advice, and should not be relied upon as such. Before making any financial decision, please consult appropriately licensed professionals.

Availability of products and services may vary by state. Restant solicits and services insurance business only in states where it and its individual producers are properly licensed.

2. Nature of Services

What we do:

  • Distribute No-Load Indexed Universal Life (IUL) policies issued by appointed life insurance carriers.
  • Service in-force policies on behalf of the issuing carrier.
  • Operate Restant OS™, an education and decision-support platform for customers.
  • Generate readiness and resilience signals (S2U™, P2P™) shared with mortgage and capital partners only with the customer's explicit consent.

What we do not do:

  • We are not a mortgage lender, mortgage broker, or mortgage loan originator.
  • We are not a bank, broker-dealer, registered investment adviser, or investment company.
  • We do not provide legal, tax, accounting, or personalized investment advice.
  • We do not condition mortgage availability on insurance participation.

3. The No-Load IUL Product

Restant currently distributes Professional Advantage℠ IUL, a No-Load Flexible Premium Universal Life Insurance Policy with Index-Linked Interest issued by United of Omaha Life Insurance Company, a Mutual of Omaha affiliate.

The policy provides a death benefit and an accumulation value. Interest credited to the accumulation value is linked to the performance of one or more external indices, subject to caps, participation rates, floors, and other crediting parameters set by the Carrier. Index-linked interest is not the same as a direct investment in the index, and policy values are not invested in the index or in any underlying securities.

The policy is subject to monthly cost-of-insurance (COI) charges, expense charges, and any rider charges. Surrender charges may apply during the early years of the policy. Certain values in any illustration are guaranteed; other values are not guaranteed and are based on assumptions that may change over time.

Life insurance proceeds and policy values may receive certain tax advantages under current federal tax law. Tax treatment depends on individual circumstances and may change. Restant does not provide tax advice. Please consult a qualified tax adviser.

4. Illustration Disclosures

Any policy illustration provided to you — including illustrations generated through Restant OS — is a hypothetical projection only. It is not a contract, not a guarantee, and not a prediction of future performance.

This is an illustration only. An illustration is not intended to predict actual performance. The illustrated interest rate and the illustrated values are not guaranteed, except for those items clearly labeled as guaranteed. Actual results may be more or less favorable.

  • Illustrations rely on assumptions about future interest crediting rates, policy charges, premium payments, withdrawals or loans, and your continued status as the insured.
  • Where illustrations reference historical index performance, past performance is not a reliable indicator of future results.
  • Illustration results depend on the age, sex, health classification, and underwriting outcome of the insured. The illustration is informational only until the policy is issued and delivered.

5. Compensation & Conflicts of Interest

We believe customers should know how we get paid. The No-Load IUL structure we distribute was selected, in part, because its compensation model is structurally aligned with long-term customer outcomes rather than first-year sales activity.

How we are compensated. The No-Load IUL product is compensated through asset-based fees calculated on the assets within the policy, paid by the Carrier under our agency appointment. No upfront commission is paid out of the policy or deducted from the first-year premium. Our revenue grows only as the customer's policy value grows, and shrinks if the customer surrenders, lapses, or reduces the policy.

Signal-related fees:

  • S2U™ Signal Fee — Mortgage and capital partners may pay Restant an access fee for verified readiness signals. This fee is funded from the efficiency the partner gains, not from the borrower.
  • P2P™ Servicing Fee — Secondary-market noteholders that opt into borrower-resilience monitoring may pay Restant a servicing fee. This fee is paid by the noteholder, not by the borrower.

Conflicts of interest. Because compensation flows from the Carrier and from partners, conflicts of interest exist. We disclose them rather than pretending they do not:

  • Restant earns revenue when a customer purchases and maintains a No-Load IUL policy.
  • Restant earns revenue when a partner accesses signals derived from the customer's data, where the customer has consented.
  • Restant Pro producers earn compensation tied to the products they place.

To manage these conflicts, we operate under a written best-interest standard, prohibit “twisting” and “churning” practices, operate Res AI within a strict regulatory boundary, and submit our model to third-party actuarial validation by Milliman.

6. Suitability & Best Interest

Restant Pro producers conduct a documented needs analysis before recommending any life insurance product. Recommendations are made consistent with the NAIC Suitability in Annuity Transactions Model Regulation and equivalent state best-interest standards.

A No-Load IUL is not suitable for everyone. It is generally not appropriate for customers without long-term need for life insurance protection, customers without the discretionary income to maintain premium funding over an extended period, or customers whose primary objective is short-term liquidity. Surrender or lapse within early policy years may result in receiving back less than total premium paid.

The decision to purchase, modify, or surrender a policy is yours. Restant provides information, education, and recommendations through its licensed producers; the customer makes the final decision.

7. Mortgage Cooperation & Anti-Tying

Restant does not condition the availability of credit on the purchase of any insurance product, and no mortgage partner is required to extend credit on terms different from those they would offer in the absence of any Restant relationship.

Insurance and mortgage components in any Restant-related transaction are independently underwritten, separately contracted, and voluntarily elected by the customer. Nothing in this document, in our marketing materials, or in any conversation with a Restant Pro should be interpreted as requiring the purchase of insurance as a condition for obtaining a mortgage, or vice versa.

Mortgage rates and terms are determined by the mortgage partner pursuant to that partner's own underwriting, pricing, and regulatory framework. Restant does not set, guarantee, or promise any mortgage rate, discount, or approval outcome.

8. S2U™ and P2P™ Signals

“S2U” (Save to Use) and “P2P” (Pay to Persist) are Restant's standardized readiness and resilience signal frameworks. Their purpose is to translate complex household financial behavior into structured, partner-readable indicators.

  • Consent — S2U and P2P signals are shared with partners only with the customer's explicit, written, revocable consent.
  • Minimum sharing — Signals convey standardized scores rather than raw PII. Partners receive the minimum data necessary.
  • Not underwriting — S2U signals are reference information. They do not bind, replace, or override the lender's own underwriting decision.

9. Restant OS™ and Res™ AI

Restant OS is an education and decision-support platform operated by Remnant Financial Foundation, Inc. Res is the AI engine inside Restant OS that performs scenario analysis, optimization calculations, and real-time monitoring.

Regulatory boundary. Res AI operates within an architecturally enforced regulatory boundary. Res produces information, simulations, and scenario outputs; Res does not make insurance recommendations, mortgage decisions, suitability determinations, or any other decision that requires a licensed human professional.

Educational character. Output from Restant OS is informational and educational only. It is not investment advice, legal advice, tax advice, mortgage underwriting, or insurance recommendation, and should not be relied upon as such.

The quality of platform outputs depends on the accuracy and completeness of the information you provide. Customers are responsible for confirming the accuracy of their inputs before relying on any platform output.

10. Independent Validation (Milliman)

Restant has engaged Milliman, Inc., a globally recognized actuarial and insurance consulting firm, to perform independent actuarial validation of the integrated Restant Complete operational model. The engagement covers actuarial soundness review, formula and threshold review for RLTV, S2U, and P2P signal systems, and multi-scenario stress analysis.

Milliman is not the issuing carrier, is not appointed to sell insurance, and does not endorse Restant's products. Milliman's role is limited to independent technical validation.

11. Forward-Looking Statements

Statements in our materials regarding future events, growth, partnerships, regulatory approvals, product expansion, or financial outcomes are forward-looking statements based on current assumptions and expectations. These statements are subject to risks, uncertainties, and changes in conditions that could cause actual results to differ materially. Forward-looking statements speak only as of the date made.

Statements regarding mortgage rate compression, structural cost reductions, capital efficiency, or any quantitative figures associated with the Restant Complete model reflect actuarial framework analysis applicable to carrier capital modeling, secondary-market pricing, and NAIC Risk-Based Capital input contexts. These figures are not advertisements of any specific consumer mortgage rate and do not constitute an offer of any specific lending terms.

12. Document Hierarchy

In the event of any inconsistency between this document and the policy, illustration, application, signed authorization, or partner agreement controlling a specific transaction, the controlling document governs.

13. Complaints & Contact

If you believe a Restant Pro or Restant employee has acted contrary to the standards described here, or if you have a question about any disclosure, please contact us:

Email: admin@restantinsurance.com

You may also file a complaint with your state insurance regulator at any time. In California, the Department of Insurance Consumer Hotline is 1-800-927-4357.