We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided herein.

Rates which may be provided on-line, by fax, mail, e-mail or phone are estimates and are generally reflective of the best rates available for various annuity products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies quoted. Final rates and contractual provisions will always be specified in the issued contract/policy.

If available, invitations for application for annuities are made through an Associated Agent of AnnuityLibrary.com, only where duly licensed and appointed.

No solicitation or invitation for application is currently being made in any jurisdiction in which an Associated Agent of AnnuityLibrary.com is either not licensed and/or appointed with the company(s) whose rates are provided, illustrated and/or approximated on-line, by phone, fax, mail or e-mail.

If information is provided inadvertently to any person or company in a jurisdiction in which an Associated Agent of AnnuityLibrary.com is either not duly licensed and/or appointed, such information should be discarded, treated as a clerical error and you should seek a qualified, licensed, and appointed representative to assist you.

We may occasionally provide rates, features, financial strength ratings, and/or other information about certain companies and products which we are not appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

This web site has been designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions. However, since each individual's situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided.

The information contained in this website is provided "as is" and without warranties of any kind either express or implied. AnnuityLibrary.com hereby disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

In no event shall AnnuityLibrary.com be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

All content, pages, data, and designs contained in this web site are copywritten by AnnuityLibrary.com and may not be copied or reproduced in any form without the express written consent of AnnuityLibrary.com.

Please note: 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.