Disclosures

Who We Are

The Annuity Institute is a brand operated by Vital Reach Automation LLC ("VRA"). We are an educational resource and a lead-referral service. We are not a registered investment advisor, broker-dealer, or insurance agency, and nothing on this site constitutes investment, tax, or insurance advice.

Lead-Referral Compensation

VRA may receive compensation from advisors we refer prospects to. This compensation may include, but is not limited to, per-lead and per-appointment fees. We do not condition our matching or advisor recommendations on compensation amounts. You never pay VRA anything, and our compensation does not change the price you would pay for any product you choose.

Advisor Independence

Advisors we route prospects to are independently licensed and operate under their own firms. The Annuity Institute does not employ them and does not guarantee their advice or performance. You can, and should, verify any advisor's license at your state's Department of Insurance before doing business with them.

No Fiduciary Duty

VRA and The Annuity Institute do not act as a fiduciary. Advisors may or may not act as fiduciaries depending on their licensing and the products they sell. Verify this directly with the advisor.

Illustrative Tools and Figures

Our calculators and estimators, including the Income Gap Calculator and the Annuity Income Estimator, produce illustrative figures for educational purposes only. They are not quotes, offers, or guarantees. Estimates are derived from published rate ranges that change over time and do not reflect any specific carrier, product, or your individual circumstances. Any dollar figure or percentage shown anywhere on this site is illustrative unless explicitly stated to be a quoted rate, and past illustrative performance is not indicative of future results.

Educational Content, Not Individualized Advice

Guides, articles, and other content on this site are general education. They are not a recommendation to buy or sell any specific product and are not tailored to your individual financial situation. Decisions about your retirement should be made with a licensed professional who has reviewed your complete circumstances.

Insurance Product Disclaimers

Annuity products are insurance contracts subject to issuer credit risk. Surrender charges, fees, riders, and tax implications vary by product, age, and state. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company, not the FDIC or any government agency. This site is not a solicitation in any state where the relevant advisor is not licensed.

Contact

Questions about these disclosures can be sent to [email protected]. See also our terms of service and privacy policy.