Financial Disclaimer

Last updated: April 2026

My Annuity Doctor is an educational platform. We provide general information about annuity products and retirement planning strategies. This information should not be considered personalized financial advice.

Annuity Products

Annuity products are issued by insurance companies and backed solely by their claims-paying ability. Guarantees mentioned on this site are subject to the financial strength and claims-paying ability of the issuing insurance company. Past performance does not guarantee future results.

Variable Annuities

Variable annuities involve investment risk, including possible loss of principal. Variable annuity subaccounts fluctuate in value and may be worth more or less than the original amount invested at the time of redemption.

Tax Information

Tax information provided on this site is general in nature and should not be construed as tax advice. Consult with a qualified tax professional regarding your specific situation. Tax laws and regulations change frequently.

Surrender Charges

Most annuity contracts include surrender charge periods. Withdrawals taken during the surrender period may be subject to surrender charges. Additionally, withdrawals taken before age 59½ may be subject to a 10% IRS penalty.

Professional Guidance

Before making any financial decisions based on information found on this website, we strongly recommend consulting with a licensed financial professional who can evaluate your specific circumstances, goals, and risk tolerance.