SC Terms & Disclaimer
Terms & Financial Disclaimer
These terms apply to your use of this personal advisory website, the SC™ Life Protection Readiness Score, and related contact or booking tools.
Personal advisory page
This website is a personal advisory and lead-generation page for Steven Alcoran Checa. It is not the official corporate website of Pru Life UK. Any official product information, proposal, application, underwriting, approval, payment, policy issuance, and claims process must follow the official process and documents of Pru Life UK and applicable regulators.
Advisor details
Steven Alcoran Checa is a Premier Licensed Financial Advisor, Certified Investment Advisor, Takaful Appointed Agent, Orphan Guardian, National Awardee, and Unit Manager under Black Onyx Branch and Eastern Summit Life Insurance Agency District. License code: 70105652.
Educational and preliminary purpose
The SC™ Life Protection Readiness Score, 4Ps Decision Framework, sample score preview, and Investment Risk Comfort Check are for educational, preliminary, and conversation-starting purposes only. They are not a final financial plan, insurance recommendation, investment advice, tax advice, legal advice, personalized proposal, contract, guarantee, or offer to insure.
Scoring method and limitations
The SC™ Life Protection Readiness Score uses the 2026-07-score-first-v2 method. It separates planning context from preparedness scoring. Life stage, dependents, debt type, and income share help explain the result but do not automatically reduce the score. The 100-point readiness score is based on debt readiness, income continuity, health preparedness, existing protection, and emergency/retirement readiness. Last reviewed: July 2026.
No automatic suitability or approval
A readiness score does not mean that a specific product is suitable for you, that you should buy insurance, or that any application will be approved. A proper recommendation requires a review of your full circumstances, goals, budget, existing benefits, risk profile, health information, underwriting requirements, product disclosures, and policy terms.
Insurance and investment-linked plans
Insurance products are subject to application, underwriting, approval, charges, exclusions, and policy terms. Investment-linked insurance plans carry investment risks. Fund values and returns are not guaranteed and may rise or fall depending on market performance, charges, and other relevant factors.
Investment Risk Comfort Check
The optional Investment Risk Comfort Check is a preliminary educational tool only. It is not the official Pru Life UK risk profile, suitability assessment, application form, or investment recommendation. Your official risk profile and suitability must still be reviewed through the proper advisory and application process if you proceed.
Use of links and third-party tools
This website may link to official websites, email, WhatsApp, Facebook, LinkedIn, Google Calendar, Netlify forms, or other third-party tools. Their own terms, privacy practices, availability, and security controls may apply.
Verification
You may verify advisor licensing through the official Pru Life UK agent verification page: Verify license →
Last updated: July 2026.