Reference

Sources & references

Last updated: May 28, 2026 · Reviewed by Mark Snyder, NPN 22163900

Why this page exists: the claims and facts on this site are grounded in primary sources — regulators, the IRS, and industry bodies. Use this page to verify anything you read here, and to dig deeper if you want.

Regulatory & licensing verification

National Insurance Producer Registry (NIPR) — verify Mark Snyder's license by NPN 22163900 in all four licensed states.
NAIC (National Association of Insurance Commissioners) — the source of Actuarial Guideline 49-B, which governs how IUL illustrations may be presented.
Nevada Division of Insurance — public producer lookup; license 4204757.
California Department of Insurance — public producer lookup; license 4540570.
Texas Department of Insurance — public producer lookup; license 348883.
Arizona Department of Insurance and Financial Institutions — public producer lookup.

Tax law (current as referenced)

IRS Publication 590-A — Contributions to Individual Retirement Arrangements (IRAs). Source for Roth IRA contribution and income limits referenced in our IUL vs. Roth IRA comparison.
IRS Publication 550 — Investment Income and Expenses (general reference for tax treatment of investment vehicles).
IRS.gov — Section 7702A defines Modified Endowment Contract (MEC) rules that govern how fast a life insurance policy can be funded.
Social Security Administration — source for the $255 lump-sum death benefit referenced in our "Is final expense a government program?" guide.
Medicare.gov — confirms Medicare does not pay funeral or burial costs.

Consumer protection & industry

American Council of Life Insurers (ACLI) — life insurance industry research and consumer resources.
Insurance Information Institute (III) — consumer-facing explainers on life insurance concepts.
NAIFA (National Association of Insurance and Financial Advisors) — professional association of agents and advisors.

Funeral cost figures

National Funeral Directors Association (NFDA) — biennial cost survey is the most commonly cited source for U.S. average funeral costs. Figures on this site ($8,000–$12,000 for a traditional funeral, $7,000–$15,000 for cremation) are consistent with the latest NFDA survey.

Where Mark Snyder Insurance fits

I am a licensed independent insurance producer (NPN 22163900), not a registered investment advisor or securities representative. Life insurance is an insurance product, not a security, and is not FDIC-insured. I work through Family First Life, an insurance marketing organization, with appointments to multiple A-rated life insurance carriers.

Specific premium figures and IUL illustrations come only from carrier-issued documents tied to your age, health, and state. I will not publish projected returns or specific premiums on this site — both for AG 49-B compliance reasons and because honest figures depend on your specific situation.

About Mark Glossary

Related: About Mark · Glossary · All guides

Mark Snyder Insurance is a licensed insurance agency (NPN 22163900). Information on this site is general educational content, not personalized insurance, tax, legal, or investment advice. Sources are cited in good faith and were accurate at the time of publication; regulations and IRS rules change over time — confirm specifics with a qualified professional.