Disclaimers & Disclosures

Rightway Financial is not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency. This is a non-government website.

Rightway Financial represents Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plan organizations that have a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on the plan's contract renewal.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Every year, Medicare evaluates plans based on a 5-star rating system.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week. If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. If you are already a member, please contact your health plan to file a complaint.

Insurance products and availability vary by carrier, state, county, eligibility, and underwriting. This website is for general educational purposes only and does not constitute tax, legal, investment, or medical advice. Plan availability and benefits vary. Limitations and exclusions may apply.

Insurance agents do not provide tax, legal, or accounting advice. Consult your own qualified professional for guidance specific to your situation.

Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing insurance company.

Life insurance products are subject to underwriting approval. Premiums and coverage amounts vary based on age, health, and other factors. Policy guarantees are based on the claims-paying ability of the issuing life insurance company.

Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering final costs rather than providing comprehensive support for surviving family members.

Final expense policies generally do not require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues.

Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit.

A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable.

An annuity is an insurance contract between an insurance company and a contract owner. An annuity can be used to help save for supplemental income for retirement and/or preserve funds already saved for retirement. Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance company that issues the product.

Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59½ may be subject to a 10% tax penalty. The growth in an annuity is tax-deferred, but taxes will be owed on withdrawals. Any withdrawal will reduce your annuity insurance contract value. Consult your annuity insurance contract for specific terms and conditions.

Multi-year guaranteed annuities (MYGAs) are a type of fixed annuity with a guaranteed interest rate that typically lasts for multiple years.

Fixed Indexed Annuities (FIAs) do not involve investments in an index. The index performance used to calculate credited interest typically does not include dividends. Some FIAs involve the use of multiple indexes. Methodologies for crediting interest differ among FIA products (e.g., point to point, high water mark, annual resets, single year, multi-year, etc.). Interest crediting methodologies may include caps, participation rates, spreads, margins, or fees that may change from time to time depending on the product.

Indexed Universal Life insurance is a permanent life insurance product with a cash value component tied to the performance of a market index. IUL policies are not securities and do not directly participate in any stock or equity investment.

Interest crediting is subject to caps, participation rates, and floors that may change over time. Policy performance is not guaranteed and will vary based on index performance, cost of insurance charges, and other policy expenses.

Accessing the cash value through loans or withdrawals will reduce the death benefit and may cause the policy to lapse if not managed properly. Consult your policy contract and a licensed agent for complete details.

All Rightway Financial representatives are licensed insurance agents, officially licensed in each state where we conduct business. Licensing information is available upon request.

Rightway Financial services are always free for you to use, with no obligation to enroll. When we help you find and apply for or enroll in coverage, the insurance company that created the plan pays us a commission. It does not cost you anything extra to work with us.

For Medicare plans, Medicare insurance is closely regulated by the government — insurance agencies are not permitted to provide any plan discounts.

By providing your mobile phone number and opting in, you consent to receive recurring automated SMS/MMS messages from Rightway Financial. Consent is not a condition of purchase or enrollment in any insurance plan.

To opt out, reply STOP to any message. To get help, reply HELP or contact us at Support@Rightway-Financial.com or 1-800-276-7245. Message and data rates may apply.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All SMS opt-in data and consent information will not be shared with any third parties.

Rightway Financial complies with the Telephone Consumer Protection Act (TCPA), FCC regulations, and CTIA Messaging Principles and Best Practices. For full SMS terms, see our SMS/MMS Terms & Conditions page.