We believe the information provided on this Website to be accurate and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided herein.

The information presented within this website has been either collected or written with the intention of providing consumers a comprehensive resource for educational purposes.

Each and every individual's circumstances are unique and very different. Therefore none of the information within this website should ever be construed as legal financial planning or tax handling advice.  

To provide professional and direct advice to you, we must first be allowed to thoroughly understand and review your individual needs and circumstances, and you must live within a jurisdiction that we are licensed to operate in.

If you believe you do find an error or any type of inaccuracy within the pages of this site, please inform us.

Since information and rates can both change quickly, we do not guarantee the accuracy of any of the information provided within this Website.

In no event will the Z.R. Asset Protection & Insurance Services, Inc. or the principles of said business be liable for any direct, special, incidental, or consequential damages arising from the use of the information found within this Website.

No solicitation or invitation for application is made in any other state or jurisdiction in which a member of the Z.R. Asset Protection & Insurance Services, Inc. is either not licensed and/or appointed to operate within. License numbers and operational status within each state are available upon request and are automatically provided as required.

We may occasionally provide rates, features and/or other information about certain companies and products our members are appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

Rates which may be provided on-line, by fax, mail, e-mail, or phone are estimates and are generally reflective of the best rates available for various annuity products as of the date that any rate comparisons are prepared by us.

Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies quoted. Final rates and contractual provisions will always be specified in the issued contract or policy.

Annuity products are financial investment vehicles created and issued by life insurance companies. They are not insured by the FDIC. They are backed by the full faith and credit of the issuing insurance company. Any withdrawals may be subject to income tax and/or surrender charges and, prior to age 59 1/2, a 10% federal penalty tax may apply.

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