Terms & Conditions / Privacy & Disclaimer

1. Privacy & Confidentiality

All information you provide will remain private and confidential. It will only be used to help determine whether an annuity is right for you and to provide guidance regarding your retirement options. Your information will not be shared with third parties except as required by law or to provide the services you request.

2. Educational Purpose

All content provided is for educational purposes only. Our goal is to help you understand annuities and retirement income options so you can make informed financial decisions. This content is not intended as personalized investment advice for every individual. You should conduct your own due diligence and consult a properly licensed financial professional regarding your personal situation before purchasing any financial product.

3. Licensed Financial Guidance

During your consultation, you may speak with licensed insurance agents or financial professionals. They can provide personalized guidance regarding annuities and retirement strategies. Any recommendations are based on your personal information and goals.

4. Annuity Product Disclosures

Guarantees: Annuity guarantees depend on the financial strength and claims-paying ability of the issuing insurer.

Riders: Optional annuity riders may be available for an additional annual premium and can provide additional benefits or income guarantees.

Insurance Compensation: If you purchase an annuity, the issuing insurance company may compensate the licensed agents who assist you in selecting the annuity.

5. No Obligation

Participation in an Annuity Evaluation or consultation is completely voluntary. You are under no obligation to purchase any product. The decision to purchase an annuity is entirely up to you.

6. Educational and Legal Disclaimer

By contacting us or using these services:

You acknowledge that consultations are educational in nature, even if personalized.

You understand that past results do not guarantee future performance.

You understand that annuities are long-term financial products and may have fees, surrender charges, or other limitations.

7. Compliance & Licensing

All agents and advisors operate under state and federal regulations and are licensed and independent. Guidance is provided without obligation to any specific insurance company, ensuring unbiased recommendations.

8. Contact & Questions

For questions about your personal situation, licensing, or regulatory compliance, you should contact a licensed financial or insurance professional in your state.

9. Consent to Contact

By submitting your information, you consent to receive communications via phone, text, or email from licensed agents or representatives. These communications may include educational information, retirement guidance, and information about annuity products.

You may opt out at any time by replying “STOP” to text messages, unsubscribing from emails, or contacting us directly. Standard messaging and data rates may apply.

When you opt in by checking off the box on our cpntact form, you consent to receive transactional messages from JBE Financial, or services I have requested. These messages may include appointment reminders, order confirmations, and account notifications among others. Message frequency may vary. Message & Data rates may apply.Reply HELP for help or STOP to opt-out.

By checking the 2nd box on our contact form, you consent to receive marketing and promotional messages from JBE Financial, including special offers, discounts, new product updates among others. Message frequency may vary. Message & Data rates may apply. Reply HELP for help or STOP to opt-out.