Terms & disclosures
Effective September 27, 2026
Who you are contacting
EverPact Life is the branding on this website for Jack Cook, insurance agent. It is not an insurance carrier or a government agency. Calling or submitting a form connects your inquiry with Jack Cook. Contact: 629-309-0222 or jackcook222@icloud.com.
Information request only
This site is an insurance solicitation. Its content is general education and does not create coverage, bind an insurer, provide an insurance quote, or approve an application. Submitting a request does not require you to purchase. Coverage begins only when the insurer’s requirements and policy conditions are met.
Availability and policy terms
Requests are accepted from U.S. states except New York. Actual product availability is subject to agent licensing and appointments, state requirements, insurer eligibility, and underwriting. Products, premiums, exclusions, waiting periods, and benefits vary. The issued policy or contract controls.
Life insurance and indexed universal life
Final expense life insurance may help beneficiaries pay final expenses; benefits are subject to policy terms and are not a promise that all expenses will be covered. IUL is permanent life insurance with potential cash value. It is not a direct investment in an index. Caps, participation rates, interest-crediting terms, costs, and funding affect values. Policy charges can reduce cash value even when a crediting floor applies. Loans and withdrawals may reduce values and death benefits and may have tax consequences. Policies can lapse if not adequately funded.
Annuities
Discussions through this site concern fixed and fixed indexed annuity options. Terms and suitability depend on your circumstances. Guarantees depend on the claims-paying ability of the issuing insurer. Annuities are not bank deposits and are not FDIC-insured. Surrender charges, withdrawal limits, market value adjustments where applicable, and tax consequences may apply. No rate or return is promised here.
Advice and illustrations
This website does not provide individualized legal, tax, or investment advice. Review your circumstances with appropriately qualified professionals. Photographs are AI-generated illustrations, not customers, endorsements, or testimonials. Statements on this site do not replace official insurer materials.
Use of the website
Provide accurate contact information and submit only your own information or information you are authorized to provide. Do not misuse the form or attempt to access another person’s data. Availability of this website may be interrupted. See the Privacy Policy for how form information is handled.