Full Disclosure

Last updated 30 October 2026

This page sets out, in one place, the disclosures that apply to everything on this site and in our guides.

Insurance and annuity products are not deposits, not FDIC insured, not insured by any federal government agency, and not guaranteed by any bank. Any guarantee is backed solely by the claims-paying ability of the issuing insurance company.

Educational purpose

All material on this site and in our downloadable guides is for general education. It is not individualized investment, tax, or legal advice, and it does not take account of your particular circumstances, objectives or needs.

How fixed indexed annuities actually work

A fixed indexed annuity is an insurance contract, not a market investment. You are not invested directly in any index, and you do not receive the index's full return or its dividends.

Interest is credited based on an index, subject to a cap, participation rate, spread or other limit set by the contract. These can change at renewal within contract limits.
A 0% floor means index losses do not reduce your credited interest below zero. It does not mean your value cannot fall. Rider fees, administrative charges and withdrawals can reduce it.
Surrender charges usually apply for a set number of years. Withdrawing more than the free-withdrawal amount during that period can mean receiving less than you paid in.
Optional riders, such as guaranteed lifetime income benefits, generally carry an explicit annual fee.
Tax: withdrawals of gain are taxed as ordinary income, and withdrawals before age 59½ may incur an additional 10% federal penalty.

Illustrations and examples

Any names, figures or scenarios used on this site — including "Mike" and any percentage shown — are hypothetical and for illustration only. They are not actual client results, not a projection, and not a guarantee. Index values displayed anywhere on this site are illustrative and should not be relied on as live market data.

Licensing and jurisdiction

Ali Elhadi is a licensed insurance agent. Business can be transacted only in states where the appropriate licence is held. Product availability, features and rates vary by state and by carrier.

Compensation

We are an independent practice. Our consultations and guides are free to you. When a client chooses to place an insurance or annuity contract, we are compensated by the issuing carrier.

Contacting you

If you submit a form and tick the consent box, you agree that we and a licensed insurance agent may contact you at the number you gave — including by automated dialling, prerecorded message and SMS. Consent is never a condition of purchase. Reply STOP to opt out of texts, or contact us to be added to our internal do-not-call list. See our Privacy Policy.

Questions

The Safe Investing Engineer
305 N. Mitchell St., Cadillac, MI 49601
alielhadi4investing@gmail.com
(313) 603-9378