TERMS & DISCLAIMER
Use this education carefully.
Effective date: September 1, 2026
Financial and insurance education disclosure
Carlos Siqueira is an individual licensed insurance producer. Disruptors LLC is the insurance agency through which he provides services, subject to applicable state licensing and appointment requirements. This site and its materials are provided for general educational and informational purposes only. They are not individualized insurance, financial, investment, tax, legal, accounting, fiduciary, or other professional advice. They are not a personalized recommendation to purchase, replace, surrender, borrow against, or take any action involving a specific policy, product, investment, or strategy.
Insurance products are subject to policy terms, underwriting, eligibility, charges, exclusions, limitations, and other conditions. Loans, withdrawals, or unpaid premiums may reduce policy values or benefits and may cause a policy to lapse. Product availability, producer licensing, appointment authority, and applicable rules vary by state and by individual circumstances. Examples, illustrations, past performance, and testimonials are not guarantees of future results or outcomes.
Before acting, consult your own qualified tax, legal, and financial advisers. To ask whether a Disruptors LLC insurance professional is currently licensed and available in your state, email info@carlosinspire.com. Please do not send sensitive personal, financial, medical, or identifying information by email.
Carlos Siqueira's National Producer Number is #17955032.
Terms of use
Disruptors Code is owned and operated by Disruptors LLC. The site materials, including text, images, guides, and design, are protected by applicable intellectual-property laws. You may use them for personal, non-commercial educational purposes. Do not reproduce, distribute, modify, sell, or present the materials as your own without prior written permission from Disruptors LLC.
This site may link to third-party websites, booking tools, video platforms, and social platforms. Disruptors LLC does not control those services and is not responsible for their content, availability, or privacy practices. Review their terms and privacy notices before providing information or taking action.
Disruptors LLC may update this page when its services, site features, or applicable requirements change. Continued use of the site after an updated effective date means you are using the current posted version. Nothing in these terms limits rights you may have under applicable law.
Contact
Questions about this page: info@carlosinspire.com.