Disclosures

Last Modified: 05/14/2025

American Life Multi-Year Guaranteed Annuity

An annuity is a contract between a buyer and an insurance company that provides the buyer with a regular series of payments in return for a lump-sum payment. Annuity commissions typically range from 1 percent to 8 percent of the total value, though you may pay as high as 10 percent or as low as 0 percent if you buy a commission-free annuity. Annuity contracts contain exclusions, limitations, reduction of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details.

Annuities contain certain fees, risks, limitations, and restrictions, including free withdrawals up to a specified limit, as well as potential withdrawal fees or surrender charges for withdrawals exceeding that limit or early withdrawals. Please speak with an agent for costs and complete details. You should carefully consider your financial needs before investing in annuity products and benefits. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 591/2, may be subject to a 10% federal tax penalty. If the annuity with fund an IRA or other tax-qualified plan, the tax deferral feature offers no additional value. Consult a tax advisor for specific information.

Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

E.A. Buck Financial Services is not acting in a fiduciary capacity when it comes to the sale of annuities. E.A. Buck Financial Services will receive commissions based on the sale of annuity contracts. Annuity contracts are made by and for the benefit of the buyer, who should bear responsibility for premiums and understand their financial conditions.

E.A. Buck Financial Services is an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Securities offered only by duly registered individuals through Madison Avenue Securities LLC (MAS), member FINRA/SIPC. Investment advisory services offered only by duly registered individuals through Buck Wealth Strategies, a Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training. MAS and E.A. Buck Financial Services are not affiliated entities. Buck Wealth Strategies and MAS are not affiliated entities. E.A. Buck Financial Services and Buck Wealth Strategies are affiliated by common ownership. In California, we are known only as E.A. Buck Insurance in all solicitations of insurance.

E.A. Buck Financial Services is not affiliated with the US government or any governmental agency.

Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of E.A. Buck Financial Services is stated or implied. Appearances in the referenced media outlets were obtained through a PR firm.

The awards, accolades and appearances are not representative of any one client’s experience and is not indicative of future performance. Each of these have set criteria for their nominations and eligibility requirements.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

By submitting your personal information, you consent to be contacted by a financial professional regarding your financial strategy for retirement.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: info@eabuck.com or 888.210.6567.