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Last updated October 26, 2026

By using WealthPrecepts.com you agree to these terms. The site is operated by Southard Insurance Services, LLC.

Educational content

Articles, calculators, videos and lessons on this site are for general education. They are not tax, legal or investment advice and are not a recommendation to buy any product. Examples are hypothetical. Your situation may differ, so consult your own tax and legal professionals before acting.

Insurance products

Insurance products are offered by Tom Southard (CA Insurance License #0M63258, NPN 18947960) through Southard Insurance Services, LLC (NPN 21569032). Products and features vary by state and carrier and are subject to underwriting. Guarantees depend on the claims-paying ability of the issuing insurer.

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We link to other websites for convenience. We are not responsible for their content or practices.

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Site content and the WealthPrecepts and VECTOR Hyperfund names and marks belong to Southard Insurance Services, LLC. You may share links to our articles; please don't republish them without permission.

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Questions about these terms: info@wealthprecepts.com or (408) 476-1254.

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WealthPrecepts is a fictitious business name (DBA) of Southard Insurance Services, LLC. Insurance products are offered by Tom Southard through Southard Insurance Services, LLC. CA Insurance License #0M63258 · NPN 18947960 (Tom Southard) · NPN 21569032 (Southard Insurance Services, LLC).

Content on this site is educational and is not tax, legal or investment advice. Consult your own tax and legal professionals about your situation. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefit, may have tax consequences, and may cause a policy to lapse. Indexed universal life is not an investment in the stock market or any index.

© 2026 Southard Insurance Services, LLC. All rights reserved.