Important disclosures
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Certified Benefit Advisors is a licensed independent insurance agency and is not connected with or endorsed by the United States government, the federal Medicare program, or any government agency. Plan availability, benefits, premiums, provider networks, and drug formularies vary by county and by plan year and can change each year.
Annuities are insurance products. They are not bank deposits, are not FDIC or NCUA insured, are not insured or guaranteed by any federal government agency, and are not a deposit of or guaranteed by any bank. All guarantees, including rates, income riders, and principal protection, are subject to the financial strength and claims-paying ability of the issuing insurance carrier. Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investment; index-linked interest is limited by caps, participation rates, and spreads that the carrier may change. Withdrawals above the contract's penalty-free amount during the surrender period are subject to surrender charges and may reduce your value, and withdrawals before age 59 1/2 may be subject to a 10% IRS penalty. Rates shown or quoted are subject to change and availability and vary by carrier, state, term, and premium amount.
Variable annuities are securities and are offered only by prospectus through a properly licensed and registered representative. Certified Benefit Advisors does not sell securities or variable products. Information about variable annuities on this site is educational only and is not an offer or solicitation to buy any security.
Life insurance policy guarantees, including cash value and death benefits, are subject to the financial strength and claims-paying ability of the issuing insurance carrier. Coverage, premiums, riders, and issue ages vary by carrier, state, age, and health, and coverage is not issued until an application is approved by the carrier. Indexed universal life policies are not investments; index-linked crediting is limited by caps, participation rates, and spreads, and policy charges, loans, and withdrawals reduce cash value and death benefits and can cause a policy to lapse.
Certified Benefit Advisors and its agents do not provide tax, legal, investment, or accounting advice. General statements about taxation, probate, estate planning, or Medicaid are for education only, depend on your individual situation, and may change with the law. Please consult your own tax advisor or attorney before making a decision.
Certified Benefit Advisors is an independent insurance agency. We represent the carriers with which we are appointed, we do not represent all insurers or all plans available in Michigan, and we are compensated by the insurance carrier when you choose a plan through us, which does not change the premium you pay. Products and carriers described here are not available in every state; we are licensed in Michigan and approximately ten other states.
