In the interest of full transparency, this page discloses important information about Caroline Chu's licensing, affiliate relationships, compensation, and the nature of the services and content provided on carolinechu.org.
1. Insurance Licensing
Caroline Chu is a licensed insurance agent in the State of California. Insurance products offered or discussed on this website are available only in states where Caroline or her affiliate agency holds the appropriate license. Licensing information is available upon request.
Offering of insurance products is subject to all applicable state laws and regulations. Not all products and coverage amounts are available in all states.
2. Affiliate Relationship with Revolution Financial Management (RFM)
Caroline Chu operates as an independent affiliate of Revolution Financial Management (RFM). RFM is a licensed insurance agency that provides Caroline with carrier appointments, back-office support, and agent training resources.
This website may reference RFM by name, link to RFM's website, or describe products available through RFM's carrier relationships. These references are provided for informational purposes and reflect Caroline's genuine professional affiliation.
3. Compensation Disclosure
Caroline Chu earns commissions from insurance carriers when policies she facilitates are issued and remain in force. Commission rates vary by carrier, product type, and policy face amount. Caroline may also earn residual override commissions through her RFM affiliation when agents she has recruited write business.
The compensation Caroline receives does not increase the premium you pay. Insurance premiums are set by the carrier and are the same regardless of the agent through whom you apply.
4. Recruitment and Business Opportunity Content
Certain pages on this website (including /bet-on-yourself and /own-your-income) are intended to recruit individuals who may be interested in becoming licensed insurance agents affiliated with RFM. These pages describe a business opportunity — not guaranteed income or employment.
Results, income, and success as an insurance agent vary significantly based on individual effort, market conditions, licensing, and other factors. No income guarantee is made or implied. Testimonials and examples shared are not representative of typical results.
5. No Financial or Tax Advice
Nothing on this website constitutes financial planning, investment, legal, or tax advice. Information about life insurance, IULs, annuities, and other products is provided for educational purposes only. You should consult with a qualified financial advisor, CPA, or attorney before making any financial decisions.
6. Testimonials and Reviews
Client testimonials and reviews appearing on this website reflect the genuine experiences of individuals who worked with Caroline Chu. These are shared with permission and represent individual outcomes, which may not be typical. No compensation was provided in exchange for testimonials.
7. Website Advertising and Content
This website does not currently display paid third-party advertisements. All content is created and controlled by Caroline Chu Insurance. If this policy changes, this page will be updated accordingly.
8. Questions
If you have questions about any of these disclosures or wish to verify Caroline's licensing credentials, please contact us: