Terms of Service
1. Who we are
The Annuity Institute is a brand operated by Vital Reach Automation LLC ("VRA"). We are a marketing and lead-referral service. We are not a registered investment advisor, broker-dealer, insurance agent, or financial planner. No content on this site — including calculators, articles, FAQ, and our advisors' bios — constitutes investment, tax, legal, or insurance advice.
2. What we do
We connect prospective annuity buyers with licensed retirement-income specialists who hold their own state insurance licenses and operate under their own firms. We are paid by those specialists; we are not paid by you.
3. What the calculator is (and isn't)
Our calculators (e.g., the Income Gap Calculator) are educational estimate tools. Outputs are illustrative based on the inputs you supply and current illustrative rate assumptions — not personalized advice or a quote on any specific product. Your actual situation, available products, and quotes will vary; the specialist you connect with will give you a real picture.
4. No warranty
The site is provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
5. Limitation of liability
To the fullest extent permitted by law, VRA's liability to you for any cause of action arising out of your use of the site is limited to the greater of (a) zero dollars or (b) the applicable statutory minimum.
6. Permitted use
The site is for personal, non-commercial use. You agree not to scrape, reverse-engineer, automate bots against, or otherwise access the site outside normal human use.
7. Intellectual property
Site copy, design, and code are owned by VRA. Third-party trademarks (Meta, Google, GoHighLevel, Cloudflare, Supabase, and individual advisors' firm names) belong to their respective owners.
8. SMS terms
When you submit your phone number, you consent to receive SMS messages from us and/or the specialist we route you to about your inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe or HELP for help. Carrier is not liable for delayed or undelivered messages.
9. Governing law + dispute resolution
These terms are governed by the laws of the United States and the state of Vital Reach Automation LLC's organization. Disputes will be resolved in the appropriate court of competent jurisdiction.
10. Changes to terms
We may update these terms. Continued use of the site after a change constitutes acceptance. The "Last updated" date reflects the latest revision.
11. Contact
The Annuity Institute, powered by Vital Reach Automation LLC
Email: [email protected]
Disclosures
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.
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 / The Annuity Institute does not act as a fiduciary. Advisors may or may not act as fiduciaries depending on their licensing and the products they sell — verify directly with the advisor.
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. Past illustrative performance is not indicative of future results. This site is not a solicitation in any state where the relevant advisor is not licensed.