Cash Value Blueprint

Terms of Service

Effective October 2, 2026

These terms govern your use of cashvalueblueprint.com. The site is operated by Hugh O'Shea, PLLC, a Florida professional limited liability company, under the name Cash Value Blueprint. By using the site you agree to these terms. If you do not agree, please do not use the site.

What this site is

Cash Value Blueprint explains how indexed universal life insurance works and, at your request, connects you with one licensed insurance agent in your state. That is the whole of what we do.

We are not an insurance carrier, an insurance broker, a bank, a registered investment adviser, a law firm or a tax practice. We do not issue policies, underwrite risk, quote premiums or make recommendations about your finances.

Educational, not advice. Everything on this site is general information. It is not tax, legal, investment or individualized insurance advice, and it does not account for your particular circumstances. Before acting on anything you read here, speak with a licensed professional who knows your situation.

No offer or solicitation where we are not licensed

Insurance is regulated state by state. Nothing on this site is an offer to sell, or a solicitation to buy, insurance in any state where the agent you would be connected with is not licensed. If no licensed agent is available in your state, we will tell you rather than pass your information elsewhere.

What we do not promise

  • We do not promise that an indexed universal life policy is suitable for you. For many people it is not.
  • We do not promise any particular policy performance, cash value, credited interest or tax outcome. Indexed universal life insurance is a life insurance product, not an investment. It carries cost of insurance charges and other fees, and policy values are not guaranteed.
  • We do not promise that you will be approved for coverage. Approval depends on underwriting by an insurance carrier, which we do not control.
  • We do not promise a specific response time, or that an agent will reach you at a particular moment.

When you submit the quiz

By submitting the quiz you confirm that you are at least 18 years old, that the information you give is accurate, and that the phone number and email address you provide are yours to give. You also consent to be contacted as described at the point of submission and in our Privacy Policy. Consent is not a condition of purchasing anything. You may withdraw it at any time by replying STOP to a text, telling the agent, or contacting us.

Acceptable use

Do not use this site to submit false information or someone else's contact details, to interfere with its operation, to scrape or harvest data from it, or to do anything unlawful. We may refuse service, remove submissions and block access at our discretion.

Our content

The text, graphics, layout, name and logo on this site belong to us or our licensors and are protected by intellectual property law. You may read and share the pages for personal, non-commercial use. You may not copy, republish or adapt them for commercial purposes without our written permission.

Other sites and third parties

We may link to sites we do not control, and the licensed agent you are connected with operates independently of us. We are not responsible for their content, their conduct, or the products they present to you. Any insurance transaction is between you, that agent and the issuing carrier.

Disclaimer and limitation of liability

This site is provided as is and as available, without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, error free or free of harmful components.

To the fullest extent permitted by law, Hugh O'Shea, PLLC and its members, officers, employees and contractors will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or lost data, arising from your use of this site. Where liability cannot be excluded, it is limited to one hundred dollars ($100).

Nothing in these terms limits liability that cannot lawfully be limited.

Indemnity

You agree to indemnify and hold harmless Hugh O'Shea, PLLC from claims, losses and expenses, including reasonable legal fees, arising out of your misuse of this site or your breach of these terms.

Governing law and venue

These terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. Any dispute arising out of them will be brought exclusively in the state or federal courts located in Volusia County, Florida, and you consent to the jurisdiction of those courts.

Changes

We may update these terms. When we do, we will change the effective date at the top of this page. Continuing to use the site after a change means you accept the updated terms.

Severability

If any provision of these terms is held unenforceable, the rest remains in force.

Contact us

Cash Value Blueprint
Hugh O'Shea, PLLC
178 Pointview Lane, Ormond Beach, FL 32174
386-588-8003
[email protected]

Cash Value Blueprint is operated by Hugh O'Shea, PLLC. We are not an insurance carrier and do not provide tax, legal, or investment advice. See also our Privacy Policy.