DISCLAIMER & TERMS OF USE

This site is for licensed life agent use only. Not all annuity products are available in all states. Annuity rates shown are subject to change at any time. For firm confirmation of current rates a written proposal should be requested or call (800) 373-9697. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax.

This site should only be used as a guide. If you have specific questions please call us. 

All information is subject to change and human error. 

As agents we are NOT allowed to give legal or tax advice. Any tax or legal information on this website is merely our understanding of the current interpretations of tax and other laws and regulations.

We recommend that you consult your attorney or tax advisor to discuss your personal tax situation.

CA Insurance License #0B67385 #0B91910

No information on this site is for use in New York or Puerto Rico! 

Terms Of Use

Your access and use of this website constitutes your agreement to these Terms of Use.

This site should only be used as a guide. If you have specific questions please call us @ 800-373-9697. All information is subject to change and human error. Tax and legal information on this site should not be relied upon, always check with a profession tax or legal advisor. 

This website may not be copied without permission from Jeff Affronti.

FSD Financial Services adheres to all state laws where it conducts business. Annuity rates shown are subject to change at any time. For firm confirmation of current rates a written proposal should be requested or call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax.

"This website" means all web pages located on the fixedannuitiesandlife.com domain name.

This website is the website of FSD Financial Services.

By accessing and using this website you acknowledge and accept that you are bound by these Terms of Use and the Privacy & Security Statement.

This website may only be used for the following permitted activities:

1. use authorized in writing by an FSD Financial Services;
2. FSD benefits staff carrying out their duties; and
3. temporary browsing as a genuine customers of FSD Financial, or for personal non commercial interest.

Each of the following activities are prohibited:

1. use of any type of data accumulation tool, robot, or spider to compile, disseminate, extract, process, reproduce, or repackage in any form or monitor any of the web pages, content, data or information contained within or accessible through this website.
2. to accumulate or combine the content, data or information contained or accessible through this website with content, data or information from any third party, without FSD Financial Services prior written permission.
3. use of high-volume, automated or systematic processes to obtain data or other information from this website.
4. compiling, repackaging or disseminating any information or data from this website.
5. accumulating data or information from this website whether or not using any automatic or manual process.
6. use of any type of device, process, routine or software either systematically or non-systematically to interfere or attempt to interfere with the functioning of this website or any transaction or process conducted on or through this website.
7. to use or reproduce any information or data from this web site other than as specifically permitted by these Terms of Use.
8. to incorporate into or store any information or data from this website in any other website, electronic retrieval system, database, publication or other work in any form, other than as specifically permitted by these Terms of Use.
9. combining or processing any data or information from this website with other data or information other than as specifically permitted by these Terms of Use.
10. using this website other than as specifically permitted by these Terms of Use.
11. any use of this website for an unlawful purpose or activity.
12. either yourself or through a third party changing, modifying, reproducing, or creating any works derived from this website, or displaying in public, any part or content of this website without FSD Financials' prior written permission.