Insurance and Annuity Disclosures

Insurance products are subject to underwriting, medical and financial qualification, policy terms, exclusions, limitations, costs, and insurer approval. Eligibility, coverage, benefits, and pricing vary by insurer and applicant.

No promise of approval, coverage amount, premium, or claims outcome is made or implied anywhere on this website.

Policy loans and withdrawals on permanent life insurance reduce cash values and the death benefit and may result in a taxable event. Policy guarantees are subject to the claims-paying ability of the issuing insurance company.

Disability insurance benefits depend on the policy's definition of disability, elimination period, benefit period, offsets, exclusions, and limitations. Not every illness, injury, or income loss is covered.

Long-term care insurance benefits depend on the policy's benefit triggers, elimination period, daily or monthly benefit limits, benefit period, covered care settings, exclusions, and limitations. Premiums on some policies may increase over time.

Annuities are insurance products issued by insurance companies. They may involve fees, charges, surrender periods, liquidity limitations, and tax considerations. Any guarantees are subject to the claims-paying ability of the issuing insurance company and the terms of the contract.

Income, indexed, and variable annuities have different features, costs, limitations, risks, surrender charges, tax considerations, and suitability requirements. No annuity is universally appropriate.

No rates, caps, participation rates, spreads, bonuses, riders, or carrier terms are quoted on this website. Product-specific information requires separate review and approval and is discussed directly.

A indexed annuity is an insurance contract whose interest crediting is calculated using a method described in the contract, which may reference an external index. Referencing an index is not the same as owning the index or investing in the stock market.

Crediting may be limited by caps, participation rates, spreads, and other contract features. Riders add cost. Surrender charges and liquidity limitations typically apply.

Variable annuity values fluctuate with the underlying investment options and may lose value. Variable annuities are offered by prospectus only.

Investors should carefully consider the investment objectives, risks, charges, and expenses before investing. Please read the prospectus and contract documents carefully.

Guardian Financial Services and Raymond James do not provide tax or legal advice. Please discuss any tax or legal matters with the appropriate professional.