Important Disclosures
General Information. The information provided on this website is for educational and informational purposes only and should not be considered financial, legal, or tax advice. Every individual’s financial situation is unique, and the suitability of any financial product depends on your specific circumstances, goals, risk tolerance, and time horizon. Before purchasing any annuity product, you should carefully review all contract materials, including the prospectus or disclosure statement if applicable, and consult with qualified financial, tax, and legal advisors to ensure the product is appropriate for your situation.
Product Information and Guarantees. All guarantees, benefits, and features described on this website are based on the claims-paying ability of the issuing insurance company. Annuities are not insured by the FDIC, NCUA, or any federal government agency. They are not deposits or obligations of, nor guaranteed or endorsed by, any bank or credit union. Product features, benefits, rates, caps, participation rates, spreads, fees, and availability vary by insurance carrier, state, and contract. The information presented represents general product characteristics and may not reflect all available options or current offerings. Specific product details, including current rates and features, will be provided in contract materials from the insurance carrier. State guaranty associations provide some level of protection for annuity contract holders in the event of an insurance company insolvency, but coverage limits vary by state (typically $250,000 per individual per company but this amount may be higher or lower depending on the state) and are subject to specific conditions and limitations.
Liquidity and Surrender Charges. Annuities are long-term financial products designed for retirement savings and income planning. Most annuity contracts include surrender charge periods during which early withdrawals above the free withdrawal amount (typically 10% of account value annually) may be subject to surrender charges imposed by the insurance company. Surrender charges typically decline over time and vary by product and carrier. Additionally, withdrawals taken before age 59½ from non-qualified annuities may be subject to a 10% federal tax penalty in addition to ordinary income taxes on earnings, unless an exception applies. Single Premium Immediate Annuities (SPIAs) and Deferred Income Annuities (DIAs) involve an irrevocable exchange of premium for guaranteed future income and generally provide no access to principal once the contract is issued. These products should only be purchased with funds you will not need for liquidity purposes.
Tax Considerations. The tax treatment of annuities is complex and varies based on whether the annuity is qualified (held in an IRA or other retirement account) or non-qualified (purchased with after-tax dollars), as well as how distributions are taken. Please seek appropriate counseling from your tax professional prior to purchasing any annuity. Makoto Insurance Services, LLC and its agents are not tax professionals, and are not proper sources of tax advice.
Licensing and Representation. Makoto Insurance Services, LLC, dba Makoto Insurance Services, and its agents are licensed insurance professionals authorized to sell annuity products in CA. We represent multiple insurance carriers and receive compensation in the form of commissions from insurance companies when annuity products are sold. Commission rates vary by product, carrier, and contract terms, and do not result in additional cost to you as they are built into the product structure. We are not registered investment advisors and do not provide investment advisory services. Our recommendations are based on the insurance products available through the carriers we represent. Products offered under Agency License 6018552, Responsible Licensed Producer: Ajay Khatri 0H66406.
State-Specific Information. Annuity products, features, benefits, and availability vary by state and are subject to state insurance regulations. Not all products or features described on this website may be available in your state. Some states have additional consumer protections, disclosure requirements, or suitability standards that apply to annuity sales.
Accuracy of Information. While we strive to provide accurate and current information, insurance products, features, rates, and regulations change frequently. The information on this website may not reflect the most recent updates and should be verified with current contract materials and disclosures from the insurance carrier. Hypothetical examples, illustrations, and calculations presented on this website are for educational purposes only and do not represent actual performance or guarantees of future results. Actual results will vary based on product selection, timing, market conditions, and individual circumstances.
Links to Third-Party Websites. This website may contain links to third-party websites for your convenience and information. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Access to and use of third-party websites is at your own risk.
Privacy and Information Security. We are committed to protecting your personal and financial information. Please review our Privacy Policy for detailed information on how we collect, use, and safeguard your information.
Contact Information. If you have questions about any of the information presented on this website or about specific annuity products, please contact us at 949-207-6100 or info@makotoinsurance.com. We are happy to provide additional information, answer your questions, and help you determine whether an annuity product may be appropriate for your situation. Makoto Insurance Services, LLC DBA, Makoto Insurance Services.
Last Updated: January 2026
This disclosure statement is subject to change without notice. Please check this page periodically for updates.