Best examples of financial disclaimer examples for insurance products

Real-world examples of financial disclaimer examples for insurance products

Let’s start where most lawyers and compliance officers actually start: sample text. Below are realistic examples of financial disclaimer examples for insurance products that you can adapt. They’re written in plain, professional language that works well in web pages, brochures, and policy documents.

Each example of disclaimer language focuses on a specific risk: non-guaranteed returns, exclusions, policy lapses, and more. The goal is to show how insurers in 2024–2025 are tightening language to address online sales, comparison sites, and increasingly aggressive enforcement by regulators.

Example 1: Non-guaranteed returns for investment-linked life insurance

This is one of the best examples of financial disclaimer examples for insurance products that combine protection with market exposure, such as variable universal life or unit-linked policies.

Non-Guaranteed Investment Performance
The cash value and death benefit of this policy may increase or decrease based on the performance of the underlying investment options you select. Past performance does not predict or guarantee future results. No rate of return is guaranteed, and you may lose money, including principal. The values shown in any illustrations are hypothetical and provided for informational purposes only. They do not represent the actual performance of any specific investment option or the policy.

Why it works:

• Separates guarantees from projections.
• Uses clear language about the possibility of loss.
• Flags that illustrations are hypothetical, which regulators repeatedly emphasize in guidance.

For context, the U.S. Securities and Exchange Commission (SEC) regularly reminds investors that past performance is not indicative of future results in its investor education materials. See the SEC’s guidance on investment risk: https://www.investor.gov/introduction-investing/investing-basics/what-risk

Example 2: Health insurance coverage limitations and exclusions

Health plans are heavily scrutinized, so this example of a financial disclaimer for insurance products focuses on clarity around what isn’t covered.

Coverage Limitations and Exclusions
This summary highlights key features of the health insurance coverage but is not a contract. The policy or certificate of coverage contains the full terms, limitations, and exclusions. Certain services, including but not limited to cosmetic procedures, experimental or investigational treatments, and non-formulary prescription drugs, may be excluded from coverage or subject to additional review. Benefits may vary by state and are subject to applicable laws and regulations. For details about covered services, prior authorization requirements, and out-of-pocket costs, review your policy documents carefully.

Why it works:

• Distinguishes the marketing summary from the binding contract.
• Mentions variability by state, which is a real issue in U.S. health insurance.
• Encourages review of policy documents without sounding defensive.

For background on how U.S. plans must describe benefits and limitations, see the Centers for Medicare & Medicaid Services (CMS) resources: https://www.cms.gov

Example 3: Life insurance underwriting and approval disclaimer

Many online life insurance quote tools need strong examples of financial disclaimer examples for insurance products to prevent the classic misunderstanding: a quote is not a guarantee.

Underwriting and Policy Issuance
Any quote or preliminary offer of coverage provided on this website is for informational purposes only and does not constitute a binding offer or guarantee of insurance. Final eligibility, premium rates, and coverage amounts are subject to completion of the application, review of medical and non-medical information, and approval by the insurance company’s underwriting department. The insurer reserves the right to decline an application, modify coverage, or adjust premiums based on underwriting results, in accordance with applicable laws and regulations.

Why it works:

• Draws a clear line between online quotes and binding offers.
• References underwriting and legal compliance.
• Protects against claims of misrepresentation in digital channels.

Example 4: Property & casualty (auto/home) quote and premium variability

Auto and homeowners insurers increasingly face complaints when online quotes change at binding. This is a strong example of financial disclaimer language for that situation.

Premium Estimates and Policy Changes
Premium amounts shown are estimates based on the information you provided and our current rating assumptions. Final premiums may differ and will be determined after we verify your driving record, claims history, property characteristics, and other relevant information. Premiums, discounts, and coverage availability may change at renewal or mid-term if there are changes in risk factors, applicable law, or company underwriting guidelines. This information is not a contract or a guarantee of insurance.

Why it works:

• Explains why premiums may change (data verification, risk factors, law).
• Explicitly states that the quote is not a contract.
• Applies well to comparison-site traffic.

For general consumer expectations around auto and home insurance, the U.S. Federal Trade Commission (FTC) offers guidance on shopping for insurance and understanding coverage: https://www.consumer.ftc.gov

Example 5: Annuity and retirement product financial disclaimer

Annuities sit at the intersection of insurance and investments, so they require some of the best examples of financial disclaimer examples for insurance products. Regulators are particularly sensitive to how guarantees are described.

Annuity Guarantees and Market Risk
Guarantees under this annuity contract are subject to the claims-paying ability of the issuing insurance company and do not apply to the investment performance of any underlying subaccounts. When you allocate funds to variable or market-based options, your account value may fluctuate with market conditions and you could lose value, including principal. Any income projections or retirement illustrations are hypothetical and are not promises or guarantees of future income. Tax treatment of annuities may change due to future legislation or regulatory guidance; consult a qualified tax advisor regarding your personal situation.

Why it works:

• Separates insurer guarantees from market risk.
• Mentions the claims-paying ability concept, which is standard in U.S. disclosures.
• Brings in tax risk without giving tax advice.

For neutral education on annuities and retirement income, the U.S. Department of Labor and FINRA offer investor resources:
https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/annuities
https://www.finra.org/investors/learn-to-invest/types-investments/annuities

Example 6: Travel insurance and pre-existing condition disclaimer

Travel insurance complaints often center on medical exclusions. This example of financial disclaimer language helps set expectations.

Pre-Existing Conditions and Travel Coverage
This policy may exclude coverage for medical conditions that existed prior to the effective date of coverage, as defined in the policy. A pre-existing condition is generally any illness, injury, or medical condition for which you received a diagnosis, treatment, or medication during the look-back period stated in the policy. Certain products may offer a waiver of the pre-existing condition exclusion if specific eligibility criteria are met, including purchase deadlines and trip payment requirements. Refer to your policy for the exact definition of a pre-existing condition, applicable look-back period, and any available waiver provisions.

Why it works:

• Uses the insurer’s definition, not the consumer’s everyday understanding.
• Points to look-back periods and waiver rules, which are common dispute points.
• Encourages reading the policy without over-promising.

For consumer education on travel insurance, see the U.S. Department of State’s travel resources: https://travel.state.gov

Example 7: Online marketing and social media promotion disclaimer

In 2024–2025, a lot of insurance promotion happens on social media and short-form content. Those channels need tailored examples of financial disclaimer examples for insurance products, not just copy-pasted policy text.

Marketing and Educational Content
Information shared on this website, in emails, or through our social media channels is provided for general educational and marketing purposes only. It does not constitute personalized financial, legal, tax, or insurance advice and should not be the sole basis for purchasing coverage or making financial decisions. Product availability, features, and pricing may vary by state, country, and distribution channel and are subject to change without notice. Before purchasing any insurance product, review the official policy documents and consult with a licensed insurance professional or qualified advisor.

Why it works:

• Acknowledges multi-channel marketing (website, email, social).
• Draws a clear line between general education and personal advice.
• Addresses geographic variation, which is increasingly important for cross-border digital sales.

Example 8: Data, projections, and inflation assumptions in 2024–2025

With inflation, medical cost trends, and climate risk all in the spotlight, insurers now use examples of financial disclaimer examples for insurance products that speak directly to changing assumptions.

Assumptions, Projections, and Future Conditions
Any projections of future premiums, benefits, or policy values are based on current assumptions regarding interest rates, mortality, morbidity, inflation, and other factors. These assumptions are subject to change over time and may differ from actual future experience. Changes in economic conditions, healthcare costs, climate-related risks, or regulatory requirements may affect the pricing and availability of insurance products. The company is not obligated to update projections or assumptions unless required by law. Actual premiums, benefits, and policy values may be higher or lower than illustrated.

Why it works:

• Acknowledges economic and climate-related uncertainty without being alarmist.
• Clarifies that projections are not promises.
• Aligns with what regulators expect around transparent assumptions.

For up-to-date information on inflation and economic conditions that can affect insurance pricing, see the U.S. Bureau of Labor Statistics: https://www.bls.gov

How to use these examples of financial disclaimer examples for insurance products

Reading examples is one thing; implementing them in a live product suite is another. Here’s how insurers, brokers, and insurtech platforms typically use these examples of financial disclaimer examples for insurance products:

• Web quote flows: Insert short, high-impact disclaimers near premium estimates, with a link to longer wording.
• Illustrations and proposals: Use the more detailed investment and projection disclaimers directly on the illustration pages.
• Policy documents and riders: Mirror the same concepts (non-guaranteed elements, exclusions, conditions) in the contract language.
• Marketing and social content: Add compact versions of the marketing disclaimer and a link to a full disclosure page.
• Email and SMS campaigns: Use condensed versions that still reference non-guaranteed outcomes and the need to review policy documents.

The best examples of financial disclaimer examples for insurance products are consistent across channels. A consumer should not see one promise on social media and a completely different tone in the policy itself. Alignment lowers litigation risk and improves trust.

2024–2025 trends influencing financial disclaimer wording

Several current trends are shaping how insurers craft examples of financial disclaimer examples for insurance products:

1. Digital-first and AI-driven underwriting

Online applications, instant decisions, and AI-based risk scoring mean that disclaimers must explain that:

• Decisions may be automated or partially automated.
• Data sources (credit-based insurance scores, prescription databases, telematics) can affect pricing.
• Consumers have rights to question or appeal decisions under applicable law.

You can adapt your wording to say, for example, that underwriting decisions may use third-party data and that applicants should review their information for accuracy.

2. Climate and catastrophe risk

Property insurers now face heightened scrutiny over how they describe:

• Wildfire, flood, and hurricane exclusions.
• Reinsurance changes that affect pricing.
• Non-renewal practices in high-risk regions.

Disclaimers increasingly reference that coverage and pricing may change due to evolving climate-related risk and regulatory action.

3. Data privacy and cross-border sales

Global insurers selling into the U.S., EU, and other markets need disclaimers that:

• Flag that products may not be available in all jurisdictions.
• Clarify that content is targeted to residents of specific states or countries.
• Address privacy and data transfer issues separately from financial disclaimers, but in a coordinated way.

While privacy notices are usually separate documents, your financial disclaimer should avoid contradicting them.

Drafting tips: Turning examples into your own disclaimer language

Use these examples of financial disclaimer examples for insurance products as a starting point, then refine with your legal and compliance teams. A few practical tips:

• Stay specific to the product type. Life, health, P&C, and annuities all carry different risks and regulatory expectations.
• Avoid over-promising anywhere. If your marketing copy is aggressive, your disclaimer cannot quietly walk it back without raising red flags.
• Keep the reading level reasonable. Plain English is not just good practice; regulators increasingly expect it.
• Place disclaimers where decisions happen. Put key text next to quotes, buy buttons, and illustration summaries, not only in footers.
• Review regularly. Laws and guidance change. Build an annual review cycle into your compliance program.

For broader legal context, many law schools and regulators publish plain-language guidance on consumer disclosures. For example, Harvard Law School’s programs on consumer protection and financial regulation regularly discuss disclosure effectiveness: https://hls.harvard.edu

FAQ: examples of financial disclaimer examples for insurance products

Q1. Can I use one standard example of a financial disclaimer for all my insurance products?
You can start from a common core, but you should tailor the language to each product type and jurisdiction. Life, health, auto, home, and annuities face different regulatory regimes and typical disputes. The best examples of financial disclaimer examples for insurance products are product-specific while still following a consistent style and tone.

Q2. Are these examples of financial disclaimer examples for insurance products legally sufficient on their own?
No. They are educational samples, not legal advice. You must have qualified counsel review and adapt any example of disclaimer language to your company’s products, distribution channels, and governing law. Regulators and courts look at the full context, not just the wording.

Q3. Where should I place financial disclaimers on my insurance website?
Use a layered approach. Put short, high-visibility disclaimers near quotes, calculators, and call-to-action buttons, and link to longer, detailed disclosures. Many insurers also maintain a central “Disclosures” or “Legal Notices” page that aggregates all examples of financial disclaimer examples for insurance products, privacy notices, and terms of use.

Q4. What are common mistakes in drafting financial disclaimers for insurance?
Common issues include vague language, contradictions between marketing and policy terms, burying key limitations in dense text, and failing to update wording after regulatory changes. Another frequent problem is copying an example of a disclaimer from another jurisdiction without adapting it to local law.

Q5. Can I shorten these examples for social media or text messages?
Yes, but keep the core message: no guarantees, subject to underwriting, and policy terms control. Use a brief version in the post or message and link to a page containing longer examples of financial disclaimer examples for insurance products and your full legal notices.