The following disclosures qualify the retirement-income, insurance, annuity, protected-growth, and indexed-strategy information presented on this website.
1. Educational information only
Content is general and educational. It is not individualized investment, tax, legal, accounting, or financial advice and is not an offer, solicitation, or recommendation. A strategy or product can be considered only after review of relevant personal information and applicable requirements.
2. Licensing and availability
Insurance products and services may be offered only by appropriately licensed insurance professionals and where permitted by law. FunderSky currently identifies service availability in Minnesota, Oklahoma, Wisconsin, Arkansas, and Missouri. Availability varies by state, carrier, product, and representative licensing.
3. Compensation
FunderSky and its licensed representatives may receive commissions or other compensation from insurance carriers when clients purchase insurance or annuity products. Compensation may vary by product and carrier.
4. Eligibility and contract terms
Insurance and annuity products are subject to eligibility, underwriting, policy or contract terms, exclusions, limitations, fees, charges, surrender periods, and state availability. Read the applicable policy, contract, illustration, and carrier disclosures before deciding.
5. Guarantees
Insurance and annuity guarantees—including any guaranteed income or death benefit—are subject to contract terms and are backed solely by the financial strength and claims-paying ability of the issuing insurance company. FunderSky does not independently guarantee carrier obligations or product performance.
6. Indexed strategies
Indexed insurance or annuity products generally do not invest directly in a market index. Crediting may be affected by caps, participation rates, spreads, index methods, contract charges, and other limitations that can change subject to contract terms. Index values may decline even when a contract receives no negative index interest. Past index performance does not predict future crediting or results.
7. Liquidity, withdrawals, and lapse risk
These products may be designed for long-term needs. Withdrawals, loans, or early surrender may reduce cash value and benefits, trigger charges, affect guarantees, create tax consequences, or cause a policy to lapse. Loans and withdrawals from life insurance reduce available cash value and death benefit and may require additional premium payments.
8. Tax treatment
References to tax treatment are general and depend on current law, contract design, and individual circumstances. Tax laws and interpretations can change. FunderSky does not provide tax advice. Consult a qualified tax professional before acting.
9. Not a bank deposit
Insurance and annuity products are not bank deposits, are not insured by the FDIC or any federal government agency, and are not guaranteed by a bank or credit union.
10. Illustrations and hypothetical examples
Illustrations, projections, calculators, and hypothetical examples are not guarantees or predictions of future performance. Actual results may be more or less favorable and depend on product terms, carrier actions, premiums, withdrawals, charges, and other factors.
11. Individual review required
No website statement establishes that a product or strategy is suitable for you. Consider your objectives, risk tolerance, time horizon, liquidity needs, existing coverage, costs, and alternatives with qualified professionals before making a decision.
12. Questions
For questions about these disclosures, contact FunderSky, LLC at support@fundersky.com, 918-800-8694, or 7122 S Sheridan Rd, Ste 2-1048, Tulsa, OK 74133.