Terms of Use
Last updated: October 9, 2026
By using www.annuitylifegroup.com you agree to these terms. If you do not agree, please do not use the site.
Educational information only
Content on this site is general and educational. It is not an offer to sell insurance in any state where we are not licensed, and it is not tax, legal or investment advice. Coverage is subject to the terms, conditions, exclusions and underwriting requirements of the issuing insurance company. Only the policy or contract itself sets out your coverage.
No guarantee of quotes or approval
Quotes and illustrations are estimates. Final rates, eligibility and approval are determined by the insurance company.
Contacting us through the site
Submitting a form does not create a policy, bind coverage or create a client relationship. Do not send sensitive information such as Social Security numbers or medical records through website forms.
Third-party links and tools
The site links to, or embeds, third-party services such as our scheduling calendar. We are not responsible for their content or privacy practices.
Intellectual property
The content, design and logo on this site belong to Annuity Life Group and may not be copied without permission.
Limitation of liability
The site is provided “as is.” To the extent permitted by law, Annuity Life Group is not liable for any damages arising from your use of the site.
Governing law
These terms are governed by the laws of the State of Maryland.
Important disclosures
Annuity Life Group is a trade name (DBA) used by independent, individually licensed insurance agents: Ileana Gonzalez, NPN 20632560; Matt Grossnickle, NPN 20423691, CA License #4232951. Our agents are licensed in Maryland, District of Columbia, Virginia, Delaware, West Virginia, Pennsylvania, California, Florida, Texas, Colorado. Not every agent is licensed in every state; you will only work with an agent licensed where you live. Insurance is offered only where an agent is licensed. Annuity Life Group is not an insurance company and does not issue policies or annuities.
Insurance and annuity products are not bank deposits, are not FDIC insured, are not insured by any federal government agency and are not obligations of any bank. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Carrier financial-strength ratings are assigned by independent rating agencies, can change and do not guarantee a carrier’s performance. Product features, availability and rates vary by carrier and state and are subject to change. Annuities may carry surrender charges and market value adjustments, and withdrawals before age 59½ may be subject to a 10% IRS penalty.
We are compensated by the insurance companies whose products we sell; we do not charge clients fees. Information on this site is educational and is not tax, legal or investment advice. Consult a qualified tax or legal professional about your situation. We do not offer securities or investment advisory services.