JOptiman Consultancy, LLC is an independent insurance and financial services agency. We do not provide legal or tax advice. All insurance and annuity products are subject to underwriting, approval, and the terms of the issuing insurance carrier. Guarantees are backed by the claims-paying ability of the issuing company. Product availability, features, and benefits may vary by state and carrier. Nothing on this site or in our materials should be construed as a solicitation in any jurisdiction where we are not licensed. Please consult with a qualified tax advisor, attorney, or financial professional regarding your individual situation. © JOptiman Consultancy, LLC. All rights reserved. Agency that Cares, Service You Can Trust!