Disclosures

Last updated: July 2, 2026

Important disclosures regarding Fixed Index Accounts (fixed index annuities) and the information presented on this website.

Product Disclosure

Fixed Index Accounts are insurance products backed by the financial strength and claims-paying ability of the issuing company. They are not bank deposits, are not FDIC/NCUA insured, are not insured by any federal government agency, and are not guaranteed by any bank or credit union. They are not a registered security and do not participate directly in any stock, bond, or equity investment.

Guarantees

Guarantees are subject to the terms and conditions of the specific product and the claims-paying ability of the issuing insurer. Product features, including limitations and riders, vary by state and carrier and may have additional costs.

Fees, Surrender & Taxes

Surrender charges and a market value adjustment may apply to withdrawals during the surrender period, and such withdrawals may be taxable. Withdrawals prior to age 59½ may be subject to a 10% federal tax penalty. Interest rates and caps are set at the insurer’s discretion and are subject to change.

Illustrations

Any charts or comparisons (including hypothetical "S&P 500 vs. Fixed Index Account" illustrations) are hypothetical, for educational purposes only, and are not indicative of the past or future performance of any specific product. Index performance does not include dividends and is not a direct investment.

Licensing

VaultFIA products are offered only through licensed insurance producers. A licensed advisor will review product details, availability, and suitability for your situation.

Not Legal or Tax Advice

This material is provided for informational and educational purposes only and does not take into account any individual’s objectives or financial situation. Consult a qualified financial, tax, or legal professional before making decisions.