Everything in writing
Disclosures, privacy, terms, licensing, and how we work. Pick a section below or read them all.
Disclosures
Who we are, what annuities and life products really are, how carriers and ratings work, and the limits of what we do.
ReadPrivacy Policy
What we collect, what we don't, and what happens to it. We don't sell your data and we never ask for SSNs on this site.
ReadTerms of Use
The rules for using this site: educational content, where we can do business, IP, disclaimers, and dispute resolution.
ReadState Licenses
How to verify us through NIPR and your state Department of Insurance, plus how state guaranty associations work.
ReadTrust & Compliance
How we work day to day: fixed-only, suitability review, written paper trail, plain-English disclosures.
ReadThe deeper trust documentation lives at pebyl.ai/trust
Pebyl Financial is the licensed insurance side of a larger community platform — the Pebyl Portal — that publishes free state retirement guides, calculators, and a directory of professionals for educators, firefighters, and law enforcement. The Portal's Trust Center covers the ecosystem-wide context behind what you read here: our mission, how the Portal handles compliance and disclosures, and the standards for the professionals listed in its directory.
Mission
Why Pebyl exists, who the ecosystem serves, and the editorial principles behind the free guides and tools.
Compliance
How the Pebyl Portal handles disclosures, data, and advertising standards across the community platform.
Professional Network
Standards for the advisors, agents, and TPAs listed in the Pebyl directory.
Pebyl Financial and the Pebyl Portal share branding and mission but operate under their own legal terms. Insurance transactions, suitability review, and carrier disclosures on this site are governed by Pebyl Financial's own policies; the Portal's Trust Center applies to community content, the professional directory, and platform features.