1. Acceptance of These Terms
By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree with these terms, please do not use the website or submit information through its forms, surveys or scheduling tools.
2. About Annuity Index
Annuity Index provides general educational information about annuity products and helps consumers explore available annuity categories and features. When requested and authorized by the consumer, Annuity Index may connect the consumer with an appropriately licensed financial or insurance professional.
Annuity Index is not an insurance company, insurance carrier, bank, broker-dealer, investment adviser, law firm, accounting firm or government agency.
3. Educational Information Only
The information presented on this website is provided for general educational and informational purposes only. Nothing on this website constitutes individualized financial, investment, insurance, tax, accounting or legal advice.
Any examples, rates, projections, comparisons or product descriptions are illustrative and may not reflect products currently available in your state or products for which you qualify.
4. No Guarantee of Products, Rates or Results
Product availability, crediting methods, interest rates, income options, guarantees, riders, fees and contract provisions vary by insurance carrier, product, state and individual eligibility. Information may change without notice.
Annuity Index does not guarantee that any particular product, carrier, rate, benefit, return or financial outcome will be available or suitable for you.
5. Insurance Company Guarantees
Annuity guarantees are subject to the terms of the applicable insurance contract and the financial strength and claims-paying ability of the issuing insurance company. Annuities are not deposits and are generally not insured by the FDIC, NCUA or any other federal government agency.
6. Connection With Licensed Professionals
If you request a consultation, you authorize Annuity Index to provide the information you submit to a participating financial or insurance professional who may be appropriately licensed for your state. That professional may contact you by telephone or email regarding your request.
Participating professionals and firms are independent of Annuity Index unless expressly stated otherwise. They are responsible for their own licensing, recommendations, representations, regulatory compliance and client relationships.
7. How Annuity Index May Be Compensated
Consumers are not charged by Annuity Index for using the website, educational resources or appointment connection service. Annuity Index may receive a fixed marketing or appointment fee from a participating financial firm for arranging a qualified appointment, whether or not the consumer purchases a product.
Additional information is available in our Compensation Disclosure.
8. User Responsibilities
When using this website, you agree that you will:
- Provide accurate and current information.
- Use the website only for lawful personal purposes.
- Not submit account numbers, passwords, Social Security numbers or other unnecessary sensitive financial information.
- Not attempt to interfere with the website, its forms, security features or underlying systems.
- Not copy, scrape, reproduce or commercially exploit website content without written permission.
9. Electronic Communications
By providing an email address, you authorize communications concerning your inquiry, requested educational information, consultation or appointment. Providing a telephone number does not, by itself, constitute consent to receive promotional text messages.
Where separate consent for text messages or marketing communications is requested, the applicable consent language will be displayed at the point of collection. Consent to marketing is not a condition of obtaining information or requesting an appointment.
10. Third-Party Websites and Services
This website may contain links to third-party websites or use services provided by third parties, including scheduling, videoconferencing, analytics and form-processing providers. Annuity Index does not control and is not responsible for the content, availability, security or privacy practices of those third parties.
11. Intellectual Property
Unless otherwise stated, the Annuity Index name, branding, website design, written content, graphics and other original materials are owned by or licensed to Annuity Index and are protected by applicable intellectual-property laws.
12. Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Annuity Index disclaims all express or implied warranties, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.
13. Limitation of Liability
To the fullest extent permitted by law, Annuity Index and its owners, employees, contractors and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this website or your reliance on its content.
Nothing in these terms excludes liability that cannot lawfully be excluded or limited.
14. Indemnification
You agree to indemnify and hold harmless Annuity Index and its owners, employees, contractors and service providers from claims, damages, liabilities and expenses arising from your unlawful use of the website, violation of these terms or infringement of another party’s rights.
15. Changes to the Website or These Terms
We may modify this website or these Terms of Use periodically. Updated terms will be posted on this page with a revised “Last updated” date. Continued use of the website after changes are posted constitutes acceptance of the revised terms.
16. Governing Law
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute will be handled in a court of competent jurisdiction, subject to applicable law.
17. Severability
If any provision of these terms is determined to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
18. Contact Us
Questions about these Terms of Use may be sent to:
Annuity Index, LLC
Email: [email protected]