Disclosures
Last Updated: 2026
The information presented on this Site is for educational and informational purposes only and should not be relied upon as the sole basis for any financial, insurance, tax, or legal decision.
1. Nature of Information
The content on this website is intended for general informational and educational purposes. It does not constitute, and should not be construed as, legal, tax, accounting, investment, or insurance advice. Goheen Capital does not provide individualized advice through this website. You should consult qualified professionals — including licensed insurance agents, attorneys, certified public accountants, and registered investment advisors — regarding your specific circumstances before making any decision relating to insurance, premium finance, estate planning, or related strategies.
2. No Offer or Solicitation
Nothing on this Site constitutes an offer to sell, or a solicitation of an offer to buy, any insurance product, security, or service. Insurance products and premium finance arrangements are subject to underwriting, eligibility, suitability requirements, and applicable state and federal laws. Availability varies by state and by individual circumstances.
3. Insurance Licensing
Goheen Insurance Agency, Inc., doing business as Goheen Capital, is a licensed insurance agency. Insurance products referenced on this Site are offered through licensed insurance agents in states where the firm and its representatives are properly licensed and where the products are approved for sale. Not all products are available in all states. Coverage, terms, conditions, and exclusions vary by product, carrier, and jurisdiction.
4. Premium Finance — Specific Risks
Premium financing is the practice of using funds borrowed from a third-party lender to pay life insurance premiums. Premium finance arrangements involve material risks that should be understood before entering into any such transaction, including but not limited to:
- Interest rate risk. Loan interest rates may be variable. Increases in prevailing interest rates may significantly increase the cost of carrying the loan.
- Collateral requirements. Lenders typically require collateral, including the cash value of the policy and may require additional outside collateral. Collateral requirements may increase over time.
- Policy performance risk. The performance of the underlying life insurance policy is not guaranteed and may underperform expectations. Adverse performance can affect the viability of the financing arrangement.
- Loan renewal risk. Loan terms generally require periodic renewal. There is no guarantee that loans will be renewed on favorable terms, or at all.
- Exit strategy risk. Premium finance arrangements depend on a viable exit strategy. Failure of the exit strategy may result in unintended tax, financial, or estate consequences.
- Tax and estate planning complexity. Premium finance structures interact with tax and estate planning rules that are complex and subject to change. Outcomes depend on individual facts and applicable law.
Premium financing is not appropriate for all individuals or households. A thorough suitability review by qualified professionals is essential before any premium finance strategy is implemented.
5. Not Investment Advice; Not a Registered Investment Advisor
Goheen Capital is an insurance agency. It does not hold itself out as a registered investment advisor and does not provide securities recommendations or personalized investment advice through this Site. Any references to financial concepts, market conditions, or investment outcomes are illustrative and educational only. Investment decisions should be made in consultation with appropriately licensed and registered investment professionals.
6. Affiliation with Simplicity Group
Goheen Capital is affiliated with Simplicity Group, an organization comprised of independent insurance and financial services firms. This affiliation provides access to expanded carrier relationships, underwriting resources, and operational support. The relationship is described on this Site for transparency and does not constitute an endorsement of any specific product or service.
7. Forward-Looking Statements; No Guarantees
Certain statements on this Site may reflect expectations, projections, illustrations, or other forward-looking statements. Such statements involve known and unknown risks, uncertainties, and assumptions. Actual outcomes may differ materially. Past performance — whether of carriers, products, financing structures, or strategies — is not indicative of future results. No outcome is guaranteed.
8. Hypothetical Illustrations
Any illustrations, scenarios, or examples presented on this Site are hypothetical and provided for educational purposes only. They are not a representation of any specific client situation and do not reflect the actual experience of any particular individual or family. Actual results will vary based on individual circumstances, carrier underwriting, market conditions, and other factors.
9. Testimonials
Where testimonials or endorsements appear on this Site, they reflect the personal experience of the individual quoted and may not be representative of the experience of other clients or advisors. Testimonials are not a guarantee of any future outcome. Goheen does not compensate individuals for providing testimonials unless otherwise disclosed.
10. Third-Party Content
This Site may reference or link to information published by third parties. Such references are provided for convenience and informational purposes. Goheen Capital does not endorse, and is not responsible for, the accuracy, completeness, or reliability of third-party content.
11. State-Specific Notices
Certain states impose additional notice or disclosure requirements relating to insurance and premium finance transactions. Prospective clients should contact Goheen Capital directly for information regarding the firm's licensing status, available products, and applicable state-specific disclosures in their state of residence.
12. Contact for Disclosures
For questions about these Disclosures or any of the firm's regulatory information, please contact Goheen Capital through the contact information provided on this Site.