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DISCLAIMER

All research, case studies, graphs, charts, projections, and the like strictly refer to insurance products and the insurance industry. All documents, materials, representations, references, products, and advice given and/or received are solely from Ty J. Young Inc., an insurance agency in the business of selling insurance products and soliciting insurance business. All products and materials presented and/or advised are through, and by, insurance agents acting on behalf of third-party insurance companies that compensate Ty J. Young Inc.

Ty J. Young Inc. is regulated by the GA Office of Insurance and Safety Fire Commissioner as an insurance agency. Ty J. Young, Inc. is not an investment advisory firm and is not registered with, or supervised by, the U.S. Securities and Exchange Commission or any state securities regulatory office.

Past performance does not guarantee future results.  Any reference to the stock market is general in nature, and no market or index is guaranteeing or representing the claims or data found in visual, audio, digital or written presentations.  Reference to any particular numeric rate of return is general in nature, it is based upon internally sampled historical data, and is no way a guarantee of future performance under any circumstance.

All audio, visual, digital and written content is not to be construed as any offer for any product or services, but only a solicitation to consider our firm through future communication.  All research conducted by Ty J. Young, Inc. is public source material and verified through multiple sources to include but not be limited to government source data, newspaper, search engine finance sources, financial data websites, etc.

© Ty J. Young Inc. All Rights Reserved. Ty J. Young and Ty J. Young, Inc. are licensed insurance agents in multiple but not every jurisdiction in the United States.  This is not an offer or solicitation for brokerage services, investment advisory services in any jurisdiction.  All case studies may reflect actual clients whose names are protected for compliance with privacy statutes and regulations.  Any reference to stock performance is based upon historical data that is public sourced. Past performance does not guarantee future performance, and all investments are subject to market risk.   No statement made is to suggest stock market performance or future performance, and no case study is used to imply future performance or testimonial.  All claims are subject to the claims paying ability of the custodian of the account.    Any case study which implies testimony is only in reference to customer service satisfaction and not investment performance.  No investment advice is rendered and all information is educational in nature.  A fixed index annuity is not a securities product, but a product of the insurance industry and is not guaranteed by any bank or insured by the FDIC.  The Agent is paid a commission from the insurance carrier.

All reference to "no fees" in any product does not preclude the possibility of a surrender or withdrawal charge on a policy.  There are no annual maintenance fees or recurring fees, but accounts may have a charge for surrendering the policy early or for early withdrawal.  Any reference to reserving rules is general in nature, and subject to each state's statutory guidelines and formula for the requirement of insurance carriers to maintain reserves on their accounts.  Any reference to reserving rules does not guarantee the financial strength or wherewithal of a particular insurance carrier, and all accounts are subject to the claims paying ability of the custodian.  Data referencing the reserving rules can be found in US News article referenced above, dated January 21, 2009 ("Annuities: the Answer to a Weak Stock Market?" by Kimberly Porter, 1/21/2009).

Products that have premium bonuses may offer longer time commitments and/or lower credited interest rates, and lower Index Cap Rates than products that don't offer a premium bonus.  Over time and under certain scenarios the amount of the premium bonus may be offset by the lower interest rates and lower Index Cap Rates.  Be advised that the sale or liquidation of any stock, bond, IRA, CD, mutual fund, annuity or any other asset to fund the purchase of an annuity or any other life insurance product may have tax consequences, early withdrawal penalties, and other fees and penalties associated with that sale or liquidation.  Neither Ty J. Young, Inc. nor its agents acting on its behalf, should be viewed as providing legal or tax advice.  You should consult with and rely upon a qualified tax or legal advisor for questions related thereto. 

Data referencing the investment portfolio of the Federal Reserve Chairman can be sourced at http://www.bloomberg.com/apps/news?pid=newsarchive&sid=alOhCMZGtEx8.  Data referencing annuities not losing principal due to stock market fluctuations can be sourced at US News and World Report, "Annuities: the Answer to a Weak Stock Market?" by Kimberly Porter, 1/21/2009.  Additional data sources confirmed through third party outside research firm Empire Research Group.

“Dow Jones,” “Dow Jones Industrial Average” and “DJIA” are service marks of Dow Jones & Company, Inc. and have been licensed for use by individual insurance companies.  Products may be linked to Dow Jones Industrial Average, and are not sponsored, endorsed, sold or promoted by Dow Jones; and Dow Jones makes no representation regarding the advisability of purchasing this product.  DJIA does not include dividends.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by individual insurance companies.  Products are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing any product.  S&P 500® Index does not include Dividends.

All photos or graphics are paid stock photography and should not be construed to imply they are actual clients or have a relationship with our firm.   All graphs and charts are copyrighted and are properly designated as such.   Ty J. Young verbal content in any format is proprietary and in some cases opinion in nature.