Terms & Conditions

Acceptance of Terms

By accessing and using the EXCLUSIVE ANNUITIES website (ExclusiveAnnuities.com), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website.

Nature of Services

EXCLUSIVE ANNUITIES is an independent insurance agency. We are not a registered investment advisor, broker-dealer, or financial planning firm. Our advisors are licensed insurance professionals who specialize in annuity products. The information provided on this website and during consultations is for educational purposes and should not be considered investment advice.

No Guarantee of Results

While annuity products offer contractual guarantees backed by the issuing insurance company, past performance and current rates do not guarantee future results. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. We do not guarantee any specific financial outcome.

Important Disclosures

• Annuities are not FDIC insured
• Annuities are not bank guaranteed
• Annuities may lose value if surrendered before the end of the surrender period
• Withdrawals before age 59½ may be subject to a 10% IRS penalty
• Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company
• Riders and optional benefits may have additional costs

Website Content

The content on this website is provided for informational purposes only and does not constitute a solicitation or offer to sell annuity products in any jurisdiction where such solicitation or offer would be unlawful. All content is subject to change without notice.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of EXCLUSIVE ANNUITIES or its content suppliers and is protected by United States and international copyright laws. Unauthorized use or reproduction is prohibited.

Limitation of Liability

EXCLUSIVE ANNUITIES shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our website or services. This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access third-party sites at your own risk.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the new terms.

Contact Information

For questions about these Terms and Conditions, please contact us at:

EXCLUSIVE ANNUITIES
Email: [email protected]
Phone: 518-833-3201