Last updated October 14, 2026

Terms of Use

These terms govern your use of annuitywealth.si, an informational website operated by LSRT Insurance Services.

Educational information only

This website provides general educational and marketing information about annuities and retirement-income concepts. It is not an offer to sell or a solicitation to buy any specific product, insurance contract, security, or investment. It is not legal, tax, investment, or individualized financial advice.

No quote, recommendation, or guarantee

Any calculator output, planning range, example, or statement on this website is hypothetical and illustrative only. It is not a quote, projection, product illustration, guarantee of performance, or recommendation. Actual product features, availability, rates, crediting methods, benefits, charges, surrender periods, and income options vary by carrier, contract, state, age, and individual circumstances.

Insurance product disclosures

Fixed annuities, MYGAs, and fixed indexed annuities are insurance products. They are not FDIC insured and are not bank deposits. Contract guarantees are backed solely by the claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges, market-value adjustments, rider charges, tax consequences, and withdrawal limitations.

Licensed service

Jesse Ramirez is a licensed insurance broker in Arizona, California, Colorado, Florida, Georgia, Ohio, Texas, and Washington. NPN #21161920. License information: AZ #21161920, CA #4377678, CO #910995, FL #G215013, GA #3786963, OH #1743588, TX #3304428, WA #1316270. Product availability is subject to applicable licensing, carrier appointment, underwriting, and state law.

Communications

By checking the contact-consent box and submitting a request, you agree that LSRT Insurance Services, through Jesse Ramirez, may call or text the number you provide with marketing messages about annuities and insurance products, including using an automatic telephone dialing system or an artificial or prerecorded voice. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. Consent is not a condition of purchase.

Compensation

Jesse Ramirez may receive compensation from an issuing insurance company if you obtain a policy through his services. This does not change your right to ask questions, compare options, or decline an application.

Changes

We may update these terms from time to time. Continued use of this site after an update constitutes acceptance of the revised terms.

Contact

Questions about these terms may be sent to jesse@lsrtinsurance.com or directed to LSRT Insurance Services, 1100 W Town & Country Rd, Suite 1250, Orange, CA 92868.