The fine print, in plain English

Pebyl Financial is an independent insurance agency. We hold state insurance licenses and offer fixed insurance and annuity products. We are not a registered broker-dealer and not a registered investment adviser. We do not sell securities, mutual funds, ETFs, or variable annuities, and we do not charge an asset-based advisory fee.

Pebyl Financial grew out of Pebyl, the platform we built for K-12 educators, firefighters, and other public servants. Our origin in Pebyl for Educators shapes how we work: educate first, no pressure, written disclosures next to every recommendation.

Every annuity and life insurance product on this site is issued by a third-party insurance carrier. Pebyl Financial does not issue contracts, hold premium, or guarantee returns. Product features (rates, caps, participation rates, spreads, rider charges, surrender schedules, and benefit base mechanics) are set by the issuing carrier and can change at the carrier's discretion.

Any guarantee referenced in a contract is backed solely by the claims-paying ability of the issuing carrier. Carrier financial strength ratings (A.M. Best, S&P, Moody's, Fitch) reflect the rating agency's opinion at a point in time and are not a guarantee of future performance or of the carrier's ability to meet its obligations.

Annuities are insurance contracts, not bank deposits. They are not FDIC insured and are not insured by any federal government agency, the U.S. Treasury, or Pebyl Financial. State insurance guaranty associations may provide limited protection in the event of carrier insolvency; coverage limits and rules vary by state and you should consult your state guaranty association directly.

Annuity contracts commonly include surrender charges, market value adjustments (MVA), free-withdrawal limits, and rider charges. Withdrawals reduce the contract value and any associated death benefit. Withdrawals of taxable amounts prior to age 59½ may be subject to a 10% IRS additional tax under IRC §72(q), in addition to ordinary income tax. Non-qualified annuity withdrawals are generally taxed last-in, first-out (LIFO).

Pebyl Financial does not publish live carrier rates on this site. Anything described as illustrative, sample, or hypothetical is for educational purposes only, is not real-time, and is not an offer to sell or a solicitation to purchase any product. Actual rates, caps, and contract terms are provided in writing by a licensed agent based on the carrier's then-current declared rates, your state, your age, and the funds being applied.

Past index performance and prior carrier renewal histories are not indicative of future results. Hypothetical examples shown for fixed indexed annuities use historical index values and the carrier's current crediting parameters; future crediting will differ.

Pebyl Financial does not provide tax, legal, accounting, or investment advice. Information on this site is educational and not individualized to your circumstances. Before purchasing any insurance or annuity contract, or making a rollover, conversion, or distribution decision, consult your own CPA, attorney, and (if applicable) a fiduciary investment adviser.

Recommendations made by a licensed Pebyl Financial agent are subject to the best-interest and suitability standards of the National Association of Insurance Commissioners (NAIC) Model Regulation #275 as adopted by your state, including the care, disclosure, conflict-of-interest, and documentation obligations.