Compliance & Disclosures
Last updated: August 2, 2026
Agu Ukaogo and Reginald L. Mattingly are licensed independent insurance agents in the State of Florida — Agu Ukaogo, Florida License #G319281 (NPN 22138920); Reginald L. Mattingly, Florida License #G190581 (NPN 21396168) — operating as A & R Consulting Group Firm LLC, doing business as ARCGF Insurance, a Florida-licensed insurance agency (License #L137703). All content on this website is for educational and marketing purposes only and does not constitute formal financial, tax, or legal advice. Policy features, premiums, benefits, and availability vary by carrier and location and are subject to underwriting and carrier approval.
Educational Purpose & No Advice
Information on this website and blog is general in nature, intended to educate consumers about insurance concepts, and does not recommend any specific product for any specific person. Any decision to purchase insurance should be made only after a personal consultation and a review of the actual policy contract and carrier illustration.
Life Insurance
Guarantees and benefits described on this site are subject to the terms, conditions, limitations, and exclusions of the policy actually issued and to the claims-paying ability of the issuing insurer. Where a specific policy feature, premium, benefit amount, or interest rate is referenced, the name of the issuing insurer is disclosed at or before the time of application. Coverage is not guaranteed and is subject to underwriting.
Indexed Universal Life (IUL)
Indexed Universal Life is a life insurance policy — not an investment, security, mutual fund, or bank savings account. Index-linked interest is credited by the issuing insurer subject to a maximum (cap) and a guaranteed minimum (floor), and both guaranteed and non-guaranteed elements must be considered together. Non-guaranteed elements — including caps, participation rates, and crediting rates — can change over time.
Cash value accumulation is reduced by premium expense charges, cost of insurance (COI) charges, and administrative fees. Policy loans and withdrawals reduce the cash value and death benefit and may create a taxable event; distributions are generally income-tax-free only when the policy is properly structured, is not a modified endowment contract (MEC), and remains in force. Any hypothetical illustration of index growth is not a prediction or guarantee of future results and shows guaranteed values alongside non-guaranteed values. Consult a licensed tax professional regarding your circumstances.
Annuities
An annuity is an insurance contract designed for long-term retirement goals, not a short-term savings vehicle. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurer. Early withdrawal or surrender may be subject to surrender charges, market value adjustments (MVA), and — for withdrawals before age 59½ — IRS tax penalties in addition to ordinary income tax. Before a carrier can approve an annuity application, a suitability review and interview are required, including completion of Florida Form DFS-H1-1980.
Testimonials
Any consumer testimonial or endorsement appearing on this site reflects that individual's experience and is not a guarantee of any outcome; individual results, deductibles, benefits, and coverage terms vary. Where an endorser has received compensation, that fact is disclosed with the testimonial.
Privacy & Data Security
Information submitted through forms on this website is transmitted over a secure, encrypted (HTTPS) connection and used only to respond to your inquiry. Mobile opt-in information is never shared with third parties for marketing purposes. See our Privacy Policy and SMS Terms for how consumer data is collected, protected, and shared.
No Government Affiliation
A & R Consulting Group Firm LLC / ARCGF Insurance is a private insurance agency. Neither the State of Florida nor the federal government is responsible for, endorses, or guarantees any insurance product or return referenced on this website.
Contact
A & R Consulting Group Firm LLC (DBA: ARCGF Insurance)
1801 NE 123rd Street, Suite 314, North Miami, FL 33181
Phone: (786) 305-5177 · Email: info@arcgfinsurance.com