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Disclosures

Your Salary For Life is a marketing and education website designed to help consumers understand retirement income concepts. It does not make product recommendations. Prospects who opt in for more information may be referred to a state-licensed insurance agent who has paid a fee to receive the referral. These independent agents are not employees of Your Salary For Life and may recommend products over which Your Salary For Life has no control.

"Salary For Life" is a marketing name for a planning approach that uses insurance products with lifetime-income features. It is not a product name, an account type, an employment benefit, or a government program.

All research, case studies, charts, and related content on this website refer to insurance products offered through state-licensed agents. This content does not constitute an offer to buy, sell, or exchange securities and should not be the sole basis for any financial decision.

Content may reference indexed annuities, indexed universal life insurance, and other insurance-based strategies. Any guarantees mentioned are subject to the claims-paying ability of the issuing insurance company.

Discussions here are general in nature, based on various assumptions, and do not guarantee future performance. Nothing on this website is a formal illustration of any specific annuity or life insurance policy; product terms, features, and availability vary by state and are subject to change by the issuing insurance company.

The appropriate type and amount of any product depend on individual circumstances, financial situation, and needs. Individuals should consult a qualified professional before making decisions about any product. Availability varies by state; not available in New York.

Your Salary For Life does not provide securities, investment, tax, or legal advice. For securities or investment advice, consult a licensed securities professional; for tax advice, a qualified tax professional; for legal advice, a licensed attorney.

This website and its content have not been reviewed or approved by FINRA, the SEC, or any state insurance department, and are not affiliated with or endorsed by any government agency.

For additional information, please review the Privacy Policy and Terms of Use on this website.

1“Salary For Life” describes a planning approach that uses guaranteed lifetime income products issued by insurance companies. It is not a product name, an account type, or a government program.
2The monthly income amount is quoted by the issuing insurance company for your specific situation before you commit. It reflects the contract terms elected and is not a projection or an estimated range.
3Protection from market index declines refers to features of the underlying insurance contract. Guarantees are subject to the claims-paying ability of the issuing insurance company and to the terms, limits, and fees of the contract.
4Lifetime payments depend on the income option elected and require the contract to remain in force under its terms. Withdrawals in excess of the elected income may reduce or end future payments.
5Spousal continuation is available only where the contract is structured for joint lives at issue. Electing it generally reduces the monthly income amount.
6Any figures shown are provided in writing by the issuing insurance company for your specific situation before any decision is made. Illustrated values are not a guarantee of future results.
7Index-linked crediting is limited by caps, participation rates, or spreads set by the issuing insurance company. You receive a share of index gains, not the full index return, and index performance does not include dividends.
8Most contracts permit a limited penalty-free withdrawal each year. Amounts taken above that limit during the surrender charge period are subject to a surrender charge that declines over time, and withdrawals may have tax consequences.

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