This referral program (“Program”) is subject to and governed by the Terms and Conditions (“Terms and Conditions”). By participating in the Program in any way you agree to, and to be bound by, the Terms and Conditions. Referral payments made pursuant to the Program are not rebates on premium and are in no way contingent upon the issuance of a policy of any kind. No insurance or annuity sale is needed to validate a referral payment. Do not advocate or otherwise recommend or advise any person to purchase any insurance or annuity products in connection with the Program. Individuals who live in the following states are not permitted to participate in the Program: Louisiana, New Mexico, New York, Ohio, Washington D.C., and West Virginia.