Disclosures
Plain-language information about who we are, what we offer and how we're paid.
Licensing
Steward Agency Partners is an insurance agency. Insurance products are offered through insurance producers licensed in New Jersey. This website is for general information only. It is not an offer to sell, or a solicitation to buy, insurance in any state where we are not licensed.
License numbers are available on request.
Insurance and annuity products
Policies are issued by the insurance companies we work with, not by Steward Agency Partners. Coverage, benefits, costs and availability depend on the specific policy, the issuing company, underwriting and the state where you live.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by Steward Agency Partners, and insurance and annuity products are not bank deposits, are not FDIC-insured, and are not insured by any federal government agency.
Annuities are long-term contracts. Withdrawals during the surrender period may be subject to surrender charges, and withdrawals before age 59½ may be subject to a 10% federal tax penalty in addition to ordinary income tax. Fixed indexed annuities are not invested in the stock market or in any index; index-linked interest may be limited by caps, participation rates or spreads.
We do not sell variable annuities, registered index-linked annuities or any other securities, and nothing on this website is investment advice.
How we are compensated
When an insurance policy or annuity is issued, the insurance company pays us a commission. Commission rates vary by company and product. You do not pay us a separate fee for insurance.
We introduce employers to Health Compass, an independent consulting firm. When an employer engages Health Compass through our introduction, we receive a share of the consulting fees Health Compass earns. We do not receive, handle or store health plan data or employee health information.
Business consulting is provided to businesses for a flat fee agreed in writing before work begins. Consulting never includes advice about insurance, securities or investments, and it is never a condition of buying insurance.
No tax or legal advice
Steward Agency Partners does not provide tax, legal or accounting advice. Please consult your own tax or legal professional about your situation.
