Template for review by counsel before launch.
Educational purpose
This website provides general education about annuities and retirement income concepts. Nothing on this site is individualized tax, legal, or investment advice, and nothing here is an offer or solicitation to buy any specific product. Recommendations, if any, are made only after a personal consultation and a review of your individual situation.
Insurance products
Annuity products discussed on this site are insurance products, not securities, and are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Product availability and features vary by state, and products are not available in all states.
Licensing
Eric Gaddy and Ray Brandt are licensed independent insurance professionals. Licensing is state specific. We only conduct insurance business in states where properly licensed.
Calculators and estimates
Tools on this site provide broad educational estimates only. They are not quotes, illustrations, or guarantees of any outcome.
No warranties
We work to keep state pages and educational content accurate, but laws, limits, and rates change. Verify time-sensitive details with the linked official sources or with us directly. This site is provided as is, without warranties of any kind.
Contact
Live Free Insurance Group, Boiling Springs, South Carolina.