Independent AgencyStraight Forward Annuities is an independent insurance agency and is not affiliated with, endorsed by, or an agent of any single insurance carrier. We represent multiple carriers and have no preferred carrier relationships.
Compensation DisclosureStraight Forward Annuities and its licensed agents are compensated by the insurance company when you purchase an annuity. This commission is paid by the carrier — not by you — and does not reduce your credited interest rate, account value, or any annuity guarantees. We disclose our specific compensation on every product we recommend before any purchase decision.
Not FDIC InsuredAnnuity products are not bank products, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by any bank or savings institution. Insurance company guarantees are backed solely by the claims-paying ability and financial strength of the issuing insurance company.
Rates and ProductsAnnuity rates, products, and availability are subject to change without notice and vary by state, age, premium amount, and individual underwriting. Rates shown are current top carrier benchmarks — they are not guaranteed quotes. Actual rates are confirmed at the time of application.
State Guaranty AssociationsIn the event of carrier insolvency, policyholders may be protected by their state's insurance guaranty association up to applicable limits. Coverage varies by state. This is not equivalent to FDIC insurance. Visit nolhga.com for your state's specific limits.
Replacement of Existing AnnuitiesReplacing an existing annuity may not be in your best interest. Surrender charges, new surrender periods, loss of existing benefits, and tax consequences may apply. Required state replacement disclosures will be provided before any replacement application is submitted.
Communications ConsentBy submitting any form on this website, you consent to be contacted by Straight Forward Annuities and its licensed insurance agents via phone, text, and email. Consent is not required as a condition of any purchase. Message and data rates may apply. Reply STOP to opt out.