Terms of Service

Educational website use and acceptance

By accessing or using this website, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the site.

The site is intended to provide general educational information about retirement income, annuities, rollovers, and related insurance topics. Nothing on the site is legal advice, tax advice, investment advice, or a recommendation for any specific person.

No client, advisory, or fiduciary relationship

Using the site, reading its content, running a calculator, or submitting a form does not by itself create a client relationship, advisory relationship, fiduciary relationship, or insurance engagement with Stevens Insurance Agency, LLC. Any professional relationship depends on direct follow-up, applicable disclosures, and any required written documentation.

Insurance and annuity disclosures

• Stevens Insurance Agency is a Washington-licensed insurance agency (WA License #16760).
• Insurance products, annuities, and riders are subject to insurer terms, underwriting, suitability review, availability, and state approval.
• Annuity guarantees are backed by the claims-paying ability of the issuing insurer and are not bank deposits, not FDIC insured, and not NCUA insured.
• Nothing on this website is an offer or solicitation in any jurisdiction where activity is not authorized.

Calculators, projections, and articles are illustrative only

Website tools, examples, projections, blog posts, and educational articles rely on assumptions, simplified inputs, or generalized models. Actual product terms, taxes, returns, expenses, surrender periods, underwriting outcomes, and personal results can differ materially.

Past performance, projections, or hypothetical illustrations are not guarantees of future results.

Acceptable use and submission rules

• You agree to provide accurate information and use the site only for lawful, legitimate inquiry purposes.
• You agree not to upload malicious code, interfere with site operations, scrape the site, or attempt unauthorized access.
• You agree not to submit Social Security numbers, full account numbers, or medical records through website forms.

Intellectual property

Unless otherwise noted, the text, design, branding, graphics, tools, and other content on this website are owned by or licensed to Stevens Insurance Agency, LLC and are protected by applicable intellectual property laws. You may use the site for personal, non-commercial review only.

You may not reproduce, republish, distribute, or create derivative works from site content without prior written permission, except as allowed by law.

Third-party links and services

The site may include links to third-party websites, carrier materials, social profiles, CAPTCHA services, or other external resources. We do not control those third parties and are not responsible for their privacy practices, accessibility, security, availability, or content.

Disclaimer of warranties and limitation of liability

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law,Stevens Insurance Agency, LLC disclaims warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

To the fullest extent permitted by law, Stevens Insurance Agency, LLC is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the site, inability to use the site, reliance on site content, or third-party services linked from the site.

Governing law, updates, and contact

These Terms are governed by the laws of the State of Washington, without regard to conflict of law principles. Any dispute relating to these Terms or your use of the site shall be brought in a court of competent jurisdiction located in Washington, unless applicable law requires otherwise.

We may update these Terms from time to time by posting a revised version on this page. Your continued use of the site after changes are posted means you accept the updated Terms.

For questions about the site, use the secure contact page or request a callback.