Insurance Disclosures
Important information about insurance and annuity products.
Product Availability and Terms
Insurance and annuity products discussed on this website and in our communications are subject to eligibility, underwriting, state availability, policy terms, exclusions, limitations, surrender charges, and administrative fees. Product features vary by carrier and jurisdiction and may change without notice.
Guarantees
Any guarantees associated with an insurance or annuity contract are subject solely to the claims‑paying ability of the issuing insurance company. Products are not FDIC insured, not bank guaranteed, and — where investment components exist — may lose value depending on product type.
Permanent Life Insurance Cash Value
Loans and withdrawals from permanent life insurance policies reduce the available cash value and death benefit, may cause the policy to lapse, and may result in tax consequences. Policies that lapse with an outstanding loan balance may generate a taxable event.
Annuities
Annuities are long‑term financial vehicles designed for retirement income. Withdrawals may be subject to surrender charges and, if taken before age 59½, an additional 10% federal tax penalty. Optional riders may involve additional cost and eligibility requirements.
Indexed and Variable Products
Indexed and variable product features — including caps, participation rates, spreads, floors, index selections, and crediting methods — are established by the issuing carrier and are subject to change. We do not publish hypothetical illustrations, indexed crediting examples, bonuses, rates, income figures, or projected values on this website; any such illustration must be presented in the exact carrier‑approved form after compliance review.
Licensing
- Financial professionals conduct business only in states where properly licensed and appointed.
- Product availability varies by state, carrier, eligibility, and licensing.
- See our State Licensing Information page for details.