Disclosures

Licensing

Caleb Bullard is an independent licensed life insurance agent (National Producer Number 19345248). Insurance products are issued by licensed insurance carriers; guarantees are backed by the claims-paying ability of the issuing insurer. Products, features and riders vary by state and are not available in all states. Client stories on this site are real, shared with details changed to protect privacy, and describe individual situations, not typical results. Nothing on this site is legal, tax or investment advice; consult your own attorney, CPA or licensed advisor.

Compensation

Bullard Financial is compensated by commission from the insurance carrier that issues a policy. Clients do not pay a fee for consultations or reviews. Commissions do not change the premium you pay.

Client stories

Stories on this site describe real client situations with names, locations and identifying details changed. They are shared with respect and are individual experiences, not a promise of any outcome.

Educational content

Articles are written by Caleb Bullard for general education and are reviewed for accuracy before publication. Figures are sourced and dated; premiums, rules and program limits change. Confirm current details before acting, and consult your own attorney, CPA or licensed advisor for your situation. Retirement plan and college-funding topics are implemented with your licensed advisors and counsel.

Third-party sites

Links to CalebBullard.com and WatchmenOfHonor.com lead to properties owned by Caleb Bullard. Links to other sites are provided for reference and we are not responsible for their content.