Licensing and important disclosures

About Greater Endeavors

Greater Endeavors is an independent insurance agency. Insurance and annuity products are offered through licensed insurance professionals. They are not deposits of any bank, are not FDIC insured, and are not investment products. Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company. Greater Endeavors does not provide investment, tax, or legal advice.

Greater Endeavors is not affiliated with or endorsed by the Social Security Administration, Medicare, or any government agency.

Annuities

Annuities are long-term insurance contracts designed for retirement. Withdrawals above the annual free amount during the surrender period may be subject to surrender charges and, in some contracts, a market value adjustment. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken before age 59 and a half, may be subject to a 10% federal tax penalty. Fixed indexed annuities are not securities and do not directly participate in any stock or equity investment or index; index credits are subject to caps, participation rates, or spreads that limit the interest credited. Optional riders are available for an additional annual fee. Product features and availability vary by carrier and state.

Life insurance

Life insurance policies are subject to underwriting, and approval and premiums depend on age, health, and other factors. Permanent life insurance cash values grow according to the terms of the policy; loans and withdrawals reduce the cash value and death benefit and may cause the policy to lapse. Product features and availability vary by carrier and state.

How we are paid

Greater Endeavors and its brokers are compensated by the insurance carriers whose products we place, generally as a commission included in the cost of the product. You do not pay us a separate fee for a review or a recommendation. You may ask us about the compensation on any product we recommend.

Educational content

Information on this website and in The Retirement Brief is for general educational purposes only. It is not a recommendation for any specific product and is not investment, tax, or legal advice.

State licensing

Christopher Salamon, National Producer Number (NPN) [[NPN]]. Greater Endeavors and its brokers are licensed to sell insurance in the states below. Products and features may not be available in every state.