Disclosures
 

Effective Date: October 24, 2026

The information provided on this website is intended to provide general information about Spruce Private Risk and the insurance services we may offer.


 

Insurance Services
 

Spruce Private Risk provides insurance-related services through appropriately licensed insurance professionals.
 

Insurance products and services are available only in jurisdictions where the applicable insurance professional is properly licensed and where the relevant insurance product is approved for sale.
 

Not all products, carriers, coverage options, or strategies are available in every state.


 

No Offer or Guarantee of Coverage
 

Nothing on this website constitutes a binding offer of insurance, insurance contract, guarantee of coverage, or guarantee of underwriting approval.
 

Insurance coverage is subject to:
 

• Carrier underwriting requirements

• Eligibility

• Product availability

• Policy terms and conditions

• Applicable exclusions and limitations

• State-specific requirements
   

Coverage becomes effective only when confirmed in accordance with the requirements of the issuing insurance carrier.


 

Insurance Carriers
 

Spruce Private Risk may offer insurance products issued by one or more independent insurance carriers.
 

Spruce Private Risk is not an insurance company and does not itself underwrite or issue insurance policies.
 

The financial obligations of an insurance policy are the responsibility of the issuing insurance carrier.


 

Compensation
 

Insurance professionals associated with Spruce Private Risk may receive commissions or other compensation from insurance carriers in connection with the placement or servicing of insurance products.
 

Compensation may vary depending on the insurance carrier, product, policy, and other factors.
 

Unless separately agreed in writing, requesting information or an initial consultation through this website does not create an advisory fee obligation.


 

No Investment, Legal, Tax, or Accounting Advice
 

Spruce Private Risk does not provide legal, tax, or accounting advice through this website.
 

Information regarding insurance strategies is provided for general informational purposes and should not be treated as a substitute for advice from an attorney, accountant, tax professional, investment professional, or other appropriately qualified adviser.
 

Clients should consult their own professional advisers regarding the legal, tax, accounting, or investment implications of any insurance strategy.


 

Life Insurance
 

Life insurance products may involve costs, limitations, exclusions, surrender charges, policy expenses, underwriting requirements, and other considerations.
 

Permanent life insurance products may include cash-value components. Policy values, benefits, and performance depend on the specific product and policy terms.
 

Non-guaranteed policy elements, where applicable, may change.
 

Prospective purchasers should review the applicable policy illustration, carrier materials, disclosures, and contract terms before purchasing coverage.


 

Business Insurance Strategies
 

Descriptions of key-person insurance, buy-sell funding, business-continuity strategies, executive benefits, and related concepts are provided for general informational purposes.
 

The suitability and structure of any business insurance arrangement depends on the specific circumstances of the business, its owners, employees, agreements, tax considerations, and applicable law.

Spruce Private Risk does not provide legal advice regarding buy-sell agreements, operating agreements, shareholder agreements, estate documents, or other legal instruments.

Estate and Legacy Planning
 

References to estate liquidity, legacy protection, wealth transfer, or similar concepts describe potential uses of life insurance.

Spruce Private Risk does not provide legal estate-planning services through this website.

Estate-planning strategies should be coordinated with the client's attorney, tax adviser, and other appropriate professionals.


 

Annuities
 

If annuity products are discussed or offered, additional state-required disclosures, suitability or best-interest documentation, carrier materials, and other information may apply.
 

Any annuity recommendation will be subject to applicable insurance laws, regulations, carrier requirements, and licensing requirements.


 

No Fiduciary or Investment Advisory Relationship
 

Use of this website, submission of a contact form, or participation in an initial insurance consultation does not by itself create an investment advisory, fiduciary, legal, tax, or accounting relationship.
 

Spruce Private Risk does not hold itself out through this website as providing investment advisory services unless separately disclosed and appropriately licensed to do so.


 

Website Information
 

We make reasonable efforts to keep the information on this website current and accurate.
 

However, insurance products, carrier requirements, underwriting guidelines, laws, regulations, and product availability may change.
 

Information on this website should not be relied upon as the sole basis for purchasing or modifying insurance coverage.


 

Geographic Availability
 

Spruce Private Risk primarily serves clients in New Jersey and the Greater Philadelphia region.
 

Insurance services may be offered only where the applicable insurance professional holds the licenses required by law.


 

Contact
 

For questions regarding these disclosures or the insurance services described on this website, please contact:
 

Spruce Private Risk
2001 Market Street, Suite 2500
Philadelphia, PA 19103
(856) 530-0309
anthony@spruceprivaterisk.com
 

Spruce Private Risk is a Briddell Capital company.