Disclosures

GAB International, LLC is an independent insurance agency. Insurance products are offered by Felipe A. Barganier, a licensed insurance agent (Georgia resident license #[GA LICENSE NUMBER]; nonresident licenses in CA, DC, FL, KS, MD, MI, NC, NV, TX). GAB International does not offer securities or investment advisory services and does not provide tax or legal advice. Annuity and life insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured and may lose value if surrendered early. Products and features vary by state and carrier. [MAILING ADDRESS]

Annuity and life insurance information

Fixed indexed annuities are not a direct investment in the stock market. Interest crediting is subject to caps, participation rates and/or spreads. Surrender charges may apply. Withdrawals may be subject to income tax and, before age 59½, a 10% IRS penalty. Indexed universal life insurance is life insurance, not an investment. Policy loans and withdrawals reduce cash value and death benefit and may cause the policy to lapse. Premium financing involves risks, including interest-rate and collateral risk.