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American Annuity Pros is a licensed insurance agency. Annuities are insurance products and are not insured by the FDIC, NCUA, or any federal government agency. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges, market value adjustments, and income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. This website is for informational purposes only and does not constitute financial, tax, or legal advice. Annuity products and features vary by state. Always consult with a licensed financial professional before making any financial decisions. Todd Schuchart | NPN# 19891776 | Verify license at NIPR.com