Note: Variable Life Insurance is sold by prospectus, which includes details including fees and expenses. Please obtain a prospectus and read it carefully before investing or sending money.

Member NASD/SIPC Accounts carried by and trades cleared through Raymond James Financial Services, Inc. Raymond James Financial is a member of the New York Stock Exchange and traded on the New York Stock Exchange under the symbol RJF.

Any withdrawals may be subject to income tax and, prior to age 59 1/2, a 10% federal penalty tax may apply. Withdrawals from life insurance policies will affect both the account value and the death benefit. The investment return and value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.

Past performance is no guarantee of future results.

All inquires will be handled by a representative that is registered in the state in which you reside.

This Web Site and its internet address are the sole property of
Thomas E. Harding.

The following  Raymond James Financial Services, Inc. branch offices will be responding to certain inquires made from this web site. This depends on the state in which you live.


18141 W. Catawba Ave
Cornelius, NC 28031
Thomas E. Harding - Branch Manager


11490 Emerald Coast Parkway, Suite 100
Destin, FL 32550
Chip Morton - Branch Manager


California License# 0830184
Minnesota License#61122

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact Thomas Harding at 800-944-7730 for information and availability.

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS we are not qualified to render advice on tax or legal matters nor is the information on this site intended for those purposes. Please consult a qualified licensed CPA or attorney for that advice.

Privacy Policy

BankOwnedLifeInsurance.com is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personal information you provide online.

Basic Privacy Policy

It is BankOwnedLifeInsurance.com's policy that personal information, such as your name, postal and e-mail address or telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location, is accessible only by designated staff, and is used only for the purposes for which you provide the information (such as to reply to and fulfill your request). For example, when you request a free charitable planning guide online, the personal information you provide will be used to process your request. If you also indicate on our site that you would like to receive our free newsletter your personal information will be added to the appropriate e-mail list. If at any time you change your mind and would like to remove your name from the free newsletter list, or correct your personal information, please email us at tom.harding@raymondjames.com.

No Release of Information to Third Parties

Personal information will not be released to third parties except to further the purpose for which you provide the information, such as fulfilling your request for free information, or if release is required by law or is pertinent to judicial or governmental investigations or proceedings. There are no other circumstances under which we will provide or sell personal information to third parties.

No Computer Tracking of Identifiable Information

Our computer is not set up to track, collect or distribute personal information about its visitors. It does recognize the home server of visitors, but not e-mail addresses. For example, we can tell which Internet Service Provider our visitors use, but not the names, addresses or other information about our visitors that would allow us to identify the particular visitors to our sites. This information is used only for internal purposes only. Our computer also recognizes the site where a visitor "clicked-to-link" and enter our site, but we cannot identify the visitor or the visitor's address.

No personal information is collected

In addition, our web site tracks information about the visits to our web site. For example, we compile statistics that show the daily number of visitors to our site, the daily requests we receive for particular files on our web site, and what countries those requests come from. These aggregated statistics are used internally to better provide services to the public and may also be provided to others, but again, the statistics contain no personal information and cannot be used to gather such information.

Right to sell

I reserve the right to sell the web site without notice. I reserve the right to sell all aspects of the site, its contents, URL and database of information collected from submitted requests.