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Terms of Use

Terms and Conditions

Last Updated: January 13, 2026

1) Acceptance of These Terms

By accessing or using AnnuityFYI.com (the “Site”), you agree to these Terms of Use, our Privacy Policy, and our Full Disclosure. If you do not agree, do not use the Site.

2) Who We Are

The terms “Annuity FYI,” “AnnuityFYI,” “we,” “us,” or “our” refer to AnnuityFYI.com, Somerset Wealth Strategies, LLC, and our affiliated Somerset companies and their representatives. “You” refers to any user of the site.

3) Educational Content Only — Not Individualized Advice

All content on the Site (including articles, rate tables, calculators, tools, videos, and other resources) is provided for general educational and informational purposes only. It does not take into account your specific objectives, financial situation, or needs, and it should not be relied upon as legal, tax, investment, or individualized financial advice.
Personalized recommendations, if any, occur only through direct communication with a properly licensed Somerset professional.

4) Product Scope + Availability

AnnuityFYI.com is focused on fixed annuities and related fixed income solutions. Products, features, rates, and availability may vary by state and can change at any time. Nothing on this Site is an offer or solicitation where prohibited by law.

5) No Warranty; Use at Your Own Risk

The Site and its content are provided “as is” and “as available.” We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. You assume full responsibility for your use of the Site.

6) Third-Party Links

The Site may contain links to third-party websites. We are not responsible for third-party content, security, or privacy practices.

7) Intellectual Property

All Site content (design, text, images, logos, and other materials) is owned by Annuity FYI or its licensors and is protected by intellectual property laws. You may use content only for personal, non-commercial purposes, and you may not reproduce, distribute, or create derivative works without written permission, except as permitted by law.

8) Prohibited Uses

You agree not to misuse the Site, including attempting to gain unauthorized access, introducing malware, scraping content at scale, or using the Site in a way that violates applicable laws.

9) Communications + Form Submissions

If you submit a request through the Site, you acknowledge that Somerset Wealth Strategies, LLC may contact you by phone, text, or email to respond. You can opt out anytime.
For details on how we handle personal information, please review the Privacy Policy and Full Disclosure.

10) Limitation of Liability

To the maximum extent permitted by law, Annuity FYI and Somerset entities will not be liable for any direct or indirect damages arising from or related to your use of the Site or reliance on Site content.

11) Indemnification

You agree to indemnify and hold harmless Annuity FYI and its affiliates, officers, directors, employees, and agents from claims arising out of your misuse of the Site or violation of these Terms.

12) Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

13) Governing Law; Venue

These Terms are governed by the laws of Oregon, and you consent to jurisdiction and venue in Oregon. 

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We don't sell or share your information with anyone, ever — only Somerset Wealth Strategies, LLC will contact you to help with your request. We may reach out by call, text, or email to answer your questions and provide annuity information. You can opt out anytime. Message/data rates may apply. By clicking “Submit,” you agree to our Privacy Policy and Full Disclosure. You confirm you’re the subscriber or have permission to use the phone number provided. Somerset Wealth Strategies, LLC is committed to respecting your privacy and adhering to all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA).

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© Copyright AnnuityFYI 2026

A Somerset Wealth Strategies, LLC Property.
4600 S Kelly Avenue, Portland, OR 97239

Disclosure: The following Disclosure, together with our Terms & Conditions and Privacy Policy, governs your use of www.annuityfyi.com and any pages or links from it. By using this website, you agree to these terms. The terms “Annuity FYI,” “AnnuityFYI,” “we,” “us,” or “our” refer to AnnuityFYI.com, Somerset Wealth Strategies, LLC, and our affiliated Somerset companies and their representatives. The term “you” refers to any user of this website. AnnuityFYI.com is owned and operated by Somerset Wealth Strategies, LLC, an independent Oregon firm founded in 1997 by Thomas B. Hamlin, founder of the Somerset family of companies.

Annuity FYI is a fixed-annuity-only website; we do not offer or transact in securities, variable annuities, or products sold by prospectus or private placement memorandum (PPM). The website includes specific fixed annuity information—such as product details, rates, and features—but this information is provided for general informational and educational purposes only and does not take into account your individual objectives, financial situation, or needs, nor does it constitute legal, tax, or investment advice.

When you call or email Annuity FYI, you work directly with a licensed Somerset professional who can discuss your goals, income and liquidity needs, and overall retirement picture and may provide personalized fixed annuity recommendations in an education-first, no-pressure conversation. Somerset is independent and not owned by any insurance company; we represent more than 100 insurers and are typically compensated by the issuing carrier if you purchase an annuity through us, or by clearly disclosed advisory fees through our affiliated RIA and broker-dealer for any registered products or advisory services discussed. All guarantees on fixed annuities are backed by the claims-paying ability of the issuing insurer, are not insured by the FDIC or any other federal agency, and are subject to the terms of the contract and the rules and limits of any applicable state guaranty association. Products, features, and availability vary by state. You should carefully review all contracts and disclosures and consult your own tax, legal, and financial professionals before making any financial decisions.