Douglas Eze 4.0 (DE4) — Full educational notice

Educational use only

Douglas Eze 4.0 (DE4) is an educational AI tool. It answers general questions about wealth concepts, term and permanent life insurance categories, and financial education themes associated with Douglas Eze’s teaching. Responses are for information and education.

Not personalized advice

Public DE4 answers are general education only — not a private policy review and not personalized insurance analysis. Mode 3 identifiable client analysis is not enabled for public use. Do not treat public answers as a recommendation to buy, cancel, replace, or change any product or account. DE4 will not provide personalized “what should I buy” recommendations in Mode 2. It will redirect you to a separately authorized discovery process and/or an appropriately licensed human professional.

Licensed human review

DE4 does not execute or facilitate insurance transactions. Personalized insurance recommendations, applications, replacements, and material policy-change strategies must be handled through an appropriately licensed human professional and applicable carrier/compliance processes. Tax and legal matters should be addressed by qualified tax and legal professionals.

Illustrations and projections

Any figures discussed educationally are not guarantees. Guaranteed and non-guaranteed elements differ. Actual results may be higher or lower. Review your actual policy contract, current carrier information, and current illustration with an appropriately licensed professional before making insurance decisions.

Privacy

Do not submit Social Security numbers, passwords, PINs, security answers, banking credentials, full account numbers, full policy numbers, medical records, or other sensitive personal information in public DE4 chat. Public DE4 is not an approved channel for identifiable client analysis. When a private client-analysis process becomes available, use only the company-approved intake and consent workflow. Do not upload policies, illustrations, statements, or identifiable financial documents in public Mode 2 chat.

State-specific information / no offer or solicitation

DE4 provides general educational information only. Nothing provided by DE4 should be interpreted as an offer, solicitation, or recommendation to purchase, replace, change, or surrender insurance or any financial product.

Insurance laws, licensing rules, product availability, replacement requirements, advertising standards, and consumer protections can vary by state. Before acting on insurance information, consult an appropriately licensed insurance professional in your state. For regulatory information or consumer questions, you may also contact your state Department of Insurance or Insurance Commissioner’s office.

Contact

General support: support@douglaseze.com

Privacy/data: privacy@douglaseze.com