Disclosures
What we are, what we are not, and how we are paid.
Most disclosure pages are written to satisfy a reviewer rather than to inform a reader. This one is meant to be read. The formal wording is set out in the block at the bottom; everything above it is the same information in plain English.
01
What this practice is licensed to do
This is an insurance practice based at 2564 Branch Street, Suite B10, Middleton, WI 53562. It is licensed to discuss and sell life insurance and annuities.
Licensed in: all 50 U.S. states.
An insurance producer licence is a public record. You can look ours up with the Wisconsin Office of the Commissioner of Insurance, and you should feel free to do that before speaking to anyone here.
02
What this practice does not do
- Tax advice or tax preparation
- Estate planning, wills, or trusts
- Legal advice of any kind
- Investment advice, securities recommendations, or portfolio management
- Credit repair, mortgage brokering, or business lending
Nothing on this website is personalised advice. It is general education. Where your situation needs a tax professional, an attorney, or a registered investment professional, that is who you should ask, and we will say so.
03
How we are paid
By commission from the insurance company, if and when you buy a policy through this practice. You are not charged a fee, and the needs analysis is free regardless of what you decide afterwards.
That arrangement gives us an interest in you buying something. Naming that plainly is better than leaving you to work it out, and it is a reason to ask what the commission is on anything you are shown. It is a fair question and it will get a straight answer.
04
About the products themselves
Life insurance is life insurance. It is not a bank deposit, a savings account, or an investment, and it is not insured by the FDIC or any federal government agency.
Product guarantees are subject to the claims-paying ability of the issuing insurance company. Not all products are available in all states.
Policy terms, exclusions, waiting periods and charges vary by product and by carrier. The specific document that governs what you buy is the policy itself, not anything on this website.
05
Your information, and stopping contact
Information you give us is used to prepare a needs analysis and, where you ask for one, to obtain quotes from insurance carriers. We do not sell it.
If you ask us to stop calling, texting or emailing, we stop, on all channels, and you do not need to give a reason. Reply STOP to any text, or email contact@crestfins.com.
If you have a complaint, contact us first at +1 (608) 308-7012. If it is not resolved, the Wisconsin Office of the Commissioner of Insurance takes consumer complaints about licensed producers directly.
06
Verify independently
BrokerCheck covers securities registration. It is listed here so you can confirm for yourself what is and is not registered, rather than relying on how a website describes itself.