| Legal Information
Byrd Financial Group believes the information provided on this web site to be accurate, and we make every effort to minimize errors. Unfortunately, both humans and computers are subject to mistakes, and because information and rates can change quickly, we are unable absolutely guarantee the accuracy of all the information provided herein. Rates which we provide 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 instead they are estimates which are based on information provided to us by you and by the various insurance companies quoted. Actual rates and contractual provisions will always be specified in the final issued contract/policy. No solicitation or invitation for application is currently being made in any jurisdiction in which either R. Craig Byrd (personally), dba Byrd Financial Group or Byrd Financial Group’s Annuity Strategies, is either not licensed and/or appointed with the company(s) whose rates are provided, illustrated and/or approximated on-line, by phone, fax, mail or e-mail. If information is provided inadvertently to any person or company in a jurisdiction in which either R. Craig Byrd is not duly licensed and/or appointed, such information should be discarded, treated as a clerical error and you should seek a qualified, licensed, and appointed representative to assist you. This web site has been designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions. However, since each individual's situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information contained in this website is provided "as is" and without warranties of any kind either express or implied. R. Craig Byrd, personally or, dba Byrd Financial Group, hereby disclaim all warranties, express or implied, including, but not limited to, implied warranties of marketability and fitness for a particular purpose. In no event shall R. Craig Byrd, personally or, dba Byrd Financial Group be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. All content, pages, data, and designs contained in this web site are copywritten by R. Craig Byrd, personally, dba Byrd Financial Group or Byrd Financial Group’s Annuity Strategies and may not be copied or reproduced in any form without the express written consent of R. Craig Byrd. Please note: Annuity products are issued by life insurance companies and are not insured by the FDIC. They are backed by the claims paying ability of the issuing insurance company. Any withdrawals may be subject to income tax and/or surrender charges and, prior to age 59½, a 10% federal penalty tax may apply unless such withdrawals are structured properly utilizing the terms available under the IRS 72(t) provision. |