EFFECTIVE DATE: AUGUST 23, 2026
Please read these terms carefully before using our services. They establish the legal framework for our relationship and outline your rights and responsibilities.
Effective Date: August 23, 2026
By accessing or using our services, you agree to be bound by these Agreement & Policies. This document is designed to provide clear, plain-English terms governing your relationship with us. Please read it carefully before proceeding.
Razaaq Insurance Services Inc is a licensed insurance agency. We operate strictly in an educational and insurance-providing capacity. We are not a bank, investment adviser, or broker-dealer. The information provided on our platform is for educational purposes and should not be construed as financial or legal advice.
Our services are intended solely for individuals who are 18 years of age or older and are legal residents of the United States. By using our services, you represent and warrant that you meet these minimum age and residency requirements.
By providing your contact information, you consent to receive communications from us regarding your inquiries, our products, and relevant educational materials. You retain the right to opt out of promotional communications at any time.
Annuities are long-term insurance products. Not FDIC insured. Not bank guaranteed. May lose value if surrendered early. Surrender charges may apply. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Please note that a 10% federal penalty tax may apply to early withdrawals made prior to age 59½.
These Terms of Service are governed by and construed in accordance with the applicable state laws. If you have any inquiries, concerns, or require clarification regarding any of the provisions outlined herein, please reach out to our legal compliance team for transparent and helpful assistance.