Conditions of Use

Informational only

Content on this site is for general informational purposes and does not constitute insurance, tax, legal, or financial advice. Insurance products, availability, and benefits vary by state and individual circumstances. Always consult a licensed agent before making coverage decisions.

No guarantees

Quotes, examples, and product descriptions are illustrative only. Actual rates, benefits, and terms are determined by the issuing insurance carrier and the policy contract.

Medicare disclaimer

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 not affiliated with or endorsed by the federal Medicare program or any government agency.

Annuity and life insurance disclosures

Annuities and life insurance 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 guaranteed by any bank. All guarantees, including interest rates, income riders, principal protection, cash value, and death benefits, are subject to the financial strength and claims-paying ability of the issuing insurance carrier. Fixed indexed products 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 the carrier may change. Withdrawals above a contract's penalty-free amount during the surrender period are subject to surrender charges, and withdrawals before age 59 1/2 may be subject to a 10% IRS penalty. Rates and product availability vary by carrier, state, term, and premium amount and are subject to change.

Variable annuities and other variable products are securities, are offered only by prospectus, and are sold only by properly licensed and registered representatives. Certified Benefit Advisors does not sell securities or variable products; information about them on this site is educational only.

No tax, legal, or investment advice

Certified Benefit Advisors and its agents do not provide tax, legal, investment, or accounting advice. Statements on this site about taxation, probate, estate planning, or Medicaid are general education, depend on your individual circumstances, and may change with the law. Please consult your own tax advisor or attorney before acting.

Licensing and compensation

Certified Benefit Advisors is an independent, licensed insurance agency in Battle Creek, Michigan. We are licensed in Michigan and approximately ten other states, and products described here are not available in every state. We represent the carriers with which we are appointed and do not represent every insurer or every plan available. We are compensated by the insurance carrier when you choose coverage through us; this does not change the premium you pay. No coverage is in force until an application is approved and issued by the carrier.

Third-party links

Links to insurance carrier websites or third-party tools are provided for convenience. We are not responsible for the content or practices of those sites.

Content ownership

The content on this website is owned by Certified Benefit Advisors and our licensors. Do not copy any content, including images, without our consent.

Contact

Questions? Call (269) 979-8600 or email bbess@certifiedbenefitadvisors.net.