Important Disclosures. Pebyl Financial is an independent insurance agency offering fixed insurance and annuity products only. We are not a registered broker-dealer or investment adviser, and we do not offer securities, mutual funds, or variable annuities. Insurance and annuity products are issued by third-party insurance carriers and are subject to the carrier's claims-paying ability and the terms of each individual contract.
Annuities are insurance products, not bank deposits, and are not FDIC insured or insured by any federal government agency. Annuities may include surrender charges, market value adjustments, withdrawal restrictions, and other limitations described in the issuing carrier's contract and disclosure documents. Withdrawals prior to age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax.
Rates, caps, participation rates, spreads, and other contract features are set by the issuing carrier, vary by state and product, and are subject to change at any time without notice. Pebyl Financial does not publish live carrier rates on this site; current rates are provided by a licensed agent on request and are not an offer to sell or a solicitation to purchase. Product availability varies by state. Pebyl Financial transacts business only in states where it and its agents are properly licensed.
Pebyl Financial grew out of Pebyl, the free retirement library originally built for K-12 educators and now used by police officers, firefighters, and EMS too. Helping public servants is the heart of what we do.
Pebyl Financial does not provide tax, legal, or investment advice. Information on this site is for educational purposes only and is not individualized to your circumstances. Consult your own tax, legal, and financial advisors before purchasing any insurance or annuity contract.
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