Disclosures

Education only

The content on this website is for general education. It is not financial, tax, or legal advice. It is not an offer to sell or a request to buy any product.

Insurance and annuity products

Annuities and life insurance are contracts issued by insurance companies. Any guarantees rely on the claims paying ability of the issuing company. Product features, interest crediting, caps, participation rates, spreads, fees, riders, loan terms, and surrender charges vary by contract and by state. Not all products are available in all states.

Not bank products

Annuities and life insurance are not bank deposits. They are not insured by the FDIC or any federal government agency. They are not guaranteed by any bank or credit union.

Index information

Indexed products credit interest based in part on an external index. You are not buying shares of any index or any stock in it. Index returns do not include dividends unless the contract says so.

No promise of results

Past performance does not promise future results. Examples and figures are for illustration only. Your results depend on your own situation and the contract you choose.

Get advice

Talk with a licensed insurance or financial professional before you act. For tax questions, talk with a qualified tax advisor. For legal and estate questions, talk with a lawyer. Read every contract in full before you sign.

Testimonials

Any client comments used on this site are shared with permission. They reflect one person's experience and are not a promise that you will have the same experience.

Licensing

Our license numbers and the full list of states we are licensed in are being confirmed. They will be published here before this site goes live.

We can only set up a contract for you in a state where we are licensed. Ask about your state on your first call.