Insurance Disclosures

Who we are

Rainmaker Wealth Innovations is not an insurance carrier. Insurance products are issued by insurance companies, called carriers. We help connect you with licensed professionals who can talk with you about them.

Where products are offered

Insurance products are offered only where properly licensed, appointed, and authorized. Product availability, eligibility, contract terms, and benefits vary by state and issuing insurer. Nothing on this site is an offer or solicitation in a state where we or the professional you speak with are not licensed and appointed.

Mortgage protection

Mortgage protection, as described on this site, is life insurance. It is not private mortgage insurance (PMI) and it is not mortgage insurance of any kind that protects a lender. It does not replace or change your mortgage loan. [CONFIRM: who receives the benefit and how it is described, per the carrier's product] Whether a policy is available to you depends on the carrier, your state, and underwriting.

Life insurance

Life insurance coverage, cost, and approval depend on the carrier, the product, your state, your age, your health, and other factors. Policies can have limits, exclusions, waiting periods, and conditions. The policy or contract issued by the carrier controls. Quotes and illustrations are not contracts.

Annuities

An annuity is an insurance contract, not a bank product.

• Annuities are not bank deposits.
• Annuities are not FDIC-insured.
• Annuities are not guaranteed by a bank or any bank affiliate.
• Guarantees depend on the claims-paying ability of the issuing insurance company. They are not backed by Rainmaker.
• Surrender charges, fees, and other limits may apply, including limits on withdrawals and charges for taking money out early. Withdrawals may also be subject to taxes, and a tax penalty before age 59 and a half in many cases.
• Indexed annuities are not investments in the stock market or in any index. They credit interest based in part on how an index performs, subject to caps, participation rates, spreads, or other limits set by the carrier. You do not own shares or index funds.
• Read the contract and the disclosure documents from the carrier before you decide.

Not tax or legal advice

Nothing on this site is tax or legal advice. Speak with your own tax or legal adviser about your situation.

No guarantees

We do not guarantee coverage, eligibility, approval, rates, or results. Underwriting and approval decisions belong to the carrier.

Calls and texts

Agreeing to receive marketing calls or texts is optional. Consent is not a condition of purchasing insurance or receiving information. Reply STOP to opt out of texts. See our Privacy Policy and Terms of Use.

Licensing

Insurance products are offered through our founder, Monica Duncan Faulve-Stach, a licensed insurance producer: California Department of Insurance license #0D82822 (Life; Accident & Health or Sickness) and Florida Department of Financial Services nonresident license #G344552 (Life & Variable Annuity; Health). These are individual producer licenses; Rainmaker Wealth Innovations, Inc. does not hold a separate insurance agency license. We discuss and offer coverage only where the producer is licensed and appointed with the issuing insurer. [CONFIRM before publication: current license and carrier appointment status]

Questions

Rainmaker Wealth Innovations, Inc. ("RWI Financial")
Email: monica@rwifinancial.com
Phone: [PHONE]