Disclosures

Who we are and how we are licensed

Beacon House Advisors is a trade name under which John Rullman, an individual licensed insurance producer, conducts an independent insurance advisory practice based in Houston, Texas. It is a sole practice; there is no separate operating company referenced on this site.

Life insurance, disability insurance, long-term care insurance, and annuity products are offered through John Rullman and the insurance carriers with which he holds appointments, including through brokerage general agencies. Mr. Rullman holds a resident insurance license in Texas and a non-resident license in Georgia for Life, Accident, and Health lines. License numbers are available on request. Not all products referenced on this site are available in all states or to all applicants; availability and features vary by state and by the issuing carrier’s underwriting.

Appointment and continuing-education requirements for annuity products, including any state-specific suitability training, are maintained current.

No securities or investment advisory services

Beacon House Advisors does not offer securities or investment advisory services, does not manage client assets, and does not take custody of client funds or securities. Nothing on this website is an offer or solicitation to buy or sell any security or to provide investment advice.

Not tax or legal advice

Beacon House Advisors does not provide tax or legal advice. Content on this website is general information and is not a substitute for advice from a qualified attorney or tax professional engaged to consider your specific circumstances. Insurance and estate-planning strategies described here involve tax and legal considerations that must be evaluated with your own advisors. Tax laws and exemption amounts change; references to current law may become outdated.

Compensation

John Rullman is compensated through commissions and related compensation paid by insurance carriers when a policy is placed or renews. This compensation does not increase the policyowner’s premium. Compensation arrangements that apply to a specific recommendation are disclosed to the client in writing before implementation. The practice does not charge asset-based or advisory fees.

Guarantees and illustrations

Any guarantees associated with an insurance policy or annuity are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by Beacon House Advisors or by any government agency. Policy illustrations and in-force ledgers use assumed, non-guaranteed elements — interest crediting rates, dividends, and expense charges — that will change over time; actual results will differ, sometimes materially, and a policy may require additional premium to remain in force.

Third-party links

This website may link to information maintained by third parties. Those links are provided for convenience; Beacon House Advisors does not control and is not responsible for third-party content and does not endorse it.

Use of this website

This site is provided for informational purposes for residents of the United States, and principally for residents of Texas and Georgia, where the principal is licensed. It does not constitute an offer or solicitation in any jurisdiction where the principal is not appropriately licensed. Communications sent through this website are not secure; do not transmit Social Security numbers, account numbers, or protected health information through the contact form.

Contact

Questions about these disclosures may be directed to info@beaconhouseadvisors.com or (713) 412-7137.