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Incapital Insurance Services LLC offers annuity products issued by third-party, non-affiliated insurance carriers to financial institutions. Incapital does not solicit or sell to retail investors.  Any guarantees made by the insurance company are backed solely by the financial strength of that company and not by any governmental or regulatory agency. While a high rating by a ratings agency does not guarantee the safety of the insurance company, it does provide an independent opinion.  Investors should carefully review the respective annuity contract and consult with a qualified financial and tax advisor before investing.