*The views, opinions and claims expressed in the videos on this website are intended to share the featured agents personal experiences in working with Howe Insurance Services, Ltd. (HIS). The recommendations, strategies and claims set forth in this website are not meant to represent how well you will do, or guarantee, expressly or implicitly, your success as individual results will vary. Our independent contractor agents work on commission, therefore your success is based on a number of factors, many of which are within your control, such as work ethic, persistence and dedication, while other factors may be outside of your control. The videos, audios and materials on this website are not intended and should not be used as legal advice, financial advice, tax advice or accounting advice. No portion of this website shall be used as any type of contractual agreement, nor will it modify or serve as a supplement to any existing or future contractual agreements between HIS and its representatives, agents and salespeople. The opinions expressed by the agents in the videos may not necessarily reflect the opinions of HIS.