Built for the people who serve our communities.
We're the licensed, safe-money insurance side of the team behind Pebyl. Our job: take what teachers, officers, firefighters, and EMS already learn on pebyl.ai and turn it into honest, in-writing retirement and protection contracts — without the Wall Street talk.
We do one thing well
Fixed insurance only — fixed annuities and fixed life insurance from rated carriers. We do not offer stocks, mutual funds, or variable products.
We know who we work with
Teachers, school staff, police officers, firefighters, EMS, and the families that count on them. Same questions every week — we know the answers.
Everything in writing
You receive the carrier illustration, contract language, and a full schedule of fees, surrender charges, and rider costs before any application is signed.
Backed by Pebyl
We're the licensed insurance side of the same team behind Pebyl at pebyl.ai — the free retirement library originally built for K-12 educators and now used by first responders too.
What we do — and what we don't
Pebyl Financial is an independent insurance agency. We help with fixed-rate savings (MYGAs), growth-without-losses accounts (FIAs), lifetime-paycheck contracts (SPIAs), life insurance, and rollovers from your old 403(b), 457(b), TSP, or pension lump sum. Everything we offer is a safe-money insurance contract — never stocks, mutual funds, or anything that can lose value to the market.
If you need something outside that — investment advice, tax filing, legal documents — we'll tell you, and we'll point you to a fiduciary advisor, a CPA, or an attorney we trust.