Disclaimers
Effective Date: [Insert Date]
Stephens Financial Group (“Company,” “we,” “us,” or “our”) provides insurance and financial services in compliance with federal and Texas regulations. The following disclaimers apply to all information provided on this website and in connection with our services.
Medicare Disclaimer
- Stephens Financial Group is not connected with or endorsed by the U.S. Government or the Federal Medicare Program.
- Medicare Advantage (MA), Medicare Supplement (Medigap), and Prescription Drug Plans are offered by private insurance companies that contract with Medicare.
- Enrollment in a plan depends on contract renewal.
- Plan availability, premiums, benefits, and networks may vary by service area and are subject to change.
Insurance Products Disclaimer
- Life insurance, annuities, and other insurance products are offered through Stephens Financial Group, a licensed insurance agency in the state of Texas and other approved jurisdictions.
- All insurance product guarantees are based on the claims-paying ability of the issuing insurance company.
- Insurance product descriptions on this site are not offers or solicitations in any state or jurisdiction where the insurance products are not authorized for sale.
Annuities Disclaimer
- Annuity products are insurance contracts, not bank products, and are not insured by the FDIC, NCUA, or any federal agency.
- Withdrawals or surrenders may be subject to surrender charges and tax penalties.
- Past performance is not indicative of future results.
Securities Disclaimer
- Securities products and investment advisory services are offered through Royal Fund Management, Member FINRA/SIPC.
- Stephens Financial Group’s insurance business is separate and distinct from its securities and investment advisory business.
- Insurance products offered through Stephens Financial Group are not securities, not FDIC-insured, not bank-guaranteed, and may lose value.
Potential Conflict of Interest Disclaimer
Clients who choose to engage Stephens Financial Group for both insurance and securities/investment advisory services should understand that:
- There may be a potential conflict of interest because we are compensated differently for insurance versus securities business.
- We are committed to acting in your best interest, but it is important that you carefully review and understand the terms, fees, and potential risks of each product or service.
- By engaging us for both services, you acknowledge that you understand and accept the potential conflict of interest.
No Guarantee of Results
While we strive to provide accurate and current information, Stephens Financial Group makes no guarantee that any strategy, product, or service discussed will achieve any particular outcome. All investments and insurance products involve risk.
Texas-Specific Disclosures
- Stephens Financial Group is licensed to sell insurance in Texas and complies with the Texas Department of Insurance regulations.
- Insurance products and securities services may not be available in all states.
- Texas residents may request additional information about our licenses and regulatory filings by contacting us directly.
Contact Us
For questions about these disclaimers, please contact:
Stephens Financial Group
1529 Bethlehem Rd
Allen, Texas 75002
Phone: (214) 491-2744
Email: Jake.Stephens.SFG@gmail.com