Important Legal Disclaimer

The information provided on this website is for educational and informational purposes only and should not be considered investment, legal, or tax advice. Fixed annuities are insurance contracts. They are not bank deposits, not insured by the FDIC or NCUA, not guaranteed by any bank or credit union, and not insured by any federal government agency.

Annuity products are issued by life insurance companies and are not insured by the FDIC. They are backed by the full faith and credit of the issuing insurance company. Any withdrawals may be subject to income tax and/or surrender charges and, prior to age 59 1/2, a 10% federal penalty tax may apply.

Nothing on this website should be construed as personalized financial advice. You should consult with a licensed financial professional, attorney, or tax advisor before making any decisions about your retirement or insurance strategy.

In no event shall Fixed Annuity Fundamentals and/or Stephen A. Geis, individually, be held liable for any direct, indirect, special, incidental, or consequential damages arising from the use of the information provided herein.

The name “Fixed Annuity Fundamentals” is a dba of Stephen A. Geis, individually.