Effective date: September 10, 2026
Annuity Educator provides free educational tools that compare annuity products using rate and product data supplied by insurance carriers. Using these tools does not create an agency, fiduciary, or advisory relationship between you and us.
These terms are an agreement between you and Dreamstone Group LLC, a Nevada limited liability company doing business as Annuity Educator, of 6960 Smoke Ranch Road, Suite 190, Las Vegas, NV 89128 ("Annuity Educator", "we", "us", "our"). By using this site you agree to them. If you do not agree, do not use the site.
Who can use this site. You must be at least 18 and a resident of the United States, and you must be acting for yourself rather than on someone else's behalf. Do not submit another person's details.
How the service works. You complete one of our tools and see generic rate illustrations. If you ask for a proposal, a member of our team will call you to understand your situation, and we will then introduce you to one licensed insurance agent, who prepares the proposal and contacts you. Any annuity you buy is bought from that agent and issued by a carrier, not by us.
Everything on this site is educational. We do not provide investment, tax, legal or insurance advice, and nothing here is a recommendation to buy any particular product. Whether an annuity suits you depends on your own circumstances, which these tools do not fully assess. Speak to a licensed professional before you commit to anything.
What we are. Dreamstone Group LLC is a licensed insurance producer entity. We are not an insurance company: we do not underwrite insurance and we do not issue contracts. Annuities are issued by the carrier named in the contract you are offered. We are licensed in all 50 states. We are not licensed in the District of Columbia or Puerto Rico and do not offer or solicit insurance there. We also do not offer or solicit insurance in any state where the agent we would introduce you to is not licensed.
Not a recommendation. The tools show generic rates and illustrations. They do not identify a product as suitable for you, and nothing they produce is a recommendation. If you receive a recommendation, it will come from the licensed agent we introduce you to, who is responsible for it and for the suitability and best-interest obligations that go with it.
The figures shown are estimates generated from the details you enter and from carrier rate data as we hold it. They are not offers of coverage, not guarantees, and not binding on any carrier. Rates and product availability vary by state and change frequently. Actual terms are set only by the carrier, in the contract you are issued, after underwriting.
Where a tool reads an uploaded statement or illustration automatically, the extracted figures may be misread. Check them against your own paperwork before relying on them.
These are not annuity illustrations. The figures our tools produce are generic estimates. They are not annuity illustrations within the meaning of state annuity disclosure regulations, they are not prepared with any carrier's illustration software, and they do not come with a carrier disclosure document or Buyer's Guide. Where a figure is not guaranteed, treat it as an estimate only. If you apply for an annuity, the carrier and the agent will give you the illustration and disclosures your state requires, and those are the documents to rely on.
No offer, and no guarantee of coverage. Nothing on this site is an offer of insurance or a promise that any carrier will insure you. Rate data is accurate only as at the date shown and we do not undertake to keep it current. If a figure on this site conflicts with the contract a carrier issues you, the contract governs.
When you request a proposal, a licensed insurance agent will contact you to prepare it. Any policy you buy is a contract between you, that agent's agency and the issuing carrier.
The agents we introduce you to are independent third parties, not our employees. We do not supervise the advice they give or the products they recommend, and we do not control the terms any carrier offers you. We introduce your request to one agent only. We are not responsible for an agent's advice, recommendations or conduct, or for any product you buy from them.
If you already own an annuity. Our tools let you compare an annuity you already hold against current market rates. Comparing is not advice to replace it, and replacing an annuity can carry surrender charges, the loss of benefits you already have, and a new surrender period. If you decide to consider a replacement, the agent we introduce you to is responsible for the replacement notices and disclosures your state requires and for assessing whether the replacement is in your interest — not us.
When you give us your telephone number and tick the consent box, you give your prior express written consent for Annuity Educator and for the licensed insurance agent we introduce you to, to contact you at that number and at the email address you gave us, about annuity products and the proposal you asked for. That contact may be by live telephone call, by prerecorded or artificial voice message, by an automatic telephone dialling system, by text message and by email. Calls to understand your situation before we introduce you to an agent are made by our own team or by a contractor acting for us.
Consent is not a condition of purchase. You do not have to agree to be contacted to use any tool on this site, and you are never required to buy anything. If you would rather not be called, use the tools without giving us a telephone number.
Text messages. Message frequency varies and depends on what you asked us about. Message and data rates may apply. Reply HELP for help and STOP to stop.
How to withdraw consent. You may withdraw consent at any time by any reasonable means: reply STOP to a text, use the unsubscribe link in an email, tell the caller to stop calling, or write to us at the address in Section 10. We will act within ten business days and pass your request to the agent we introduced you to. You may still receive one message confirming the opt-out.
Use these tools for your own personal, non-commercial purposes. Do not scrape them, resell the data in them, attempt to disrupt them, or submit anyone else's personal details without their permission.
You also agree not to: give us false or misleading information, including a telephone number that is not yours; use automated means to access the site; use the tools to gather competitive rate information; get around any technical limit or security measure; or use the site for anything unlawful. We may suspend or block access if you do.
The content, design and tools on this site belong to us or our licensors, except for carrier product data, which belongs to the respective carriers.
We grant you a limited, personal, non-exclusive, non-transferable and revocable license to use the site for your own non-commercial purposes. We reserve every other right. You may not copy, modify, frame, republish or create derivative works from the site, or remove any notice of ownership from it.
What you upload. You keep ownership of any document you upload. You grant us permission to store and process it, and to have our providers process it, so that we can produce your comparison and proposal. You confirm that the document is yours and that you are entitled to give it to us.
The site is provided as it is. To the fullest extent the law allows, we disclaim all warranties, express or implied, including any warranty of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted or error-free, or that the rates, product data or figures extracted from your documents are accurate, complete or current.
To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or lost opportunity, arising out of your use of the site — including any decision you make about an annuity. Our total liability for any claim relating to the site is limited to USD 100. Some states do not allow these limits, and in those states they apply only so far as the law permits.
You agree to cover our reasonable costs, including legal fees, for any claim brought against us arising from your breach of these terms, from information you gave us that was not yours to give, or from your unlawful use of the site.
Talk to us first. Before starting arbitration or a court case, send us a written description of your complaint, to the address or email in Section 10. Tell us your name, the email address or telephone number you gave us, what happened, and what you want. We will try to resolve it with you within 60 days, and either of us may ask for a telephone conference to try to settle it. This step is a condition of starting a claim. Any deadline for bringing your claim is paused while this step runs.
Binding arbitration. Except as stated below, any dispute between you and us will be resolved by binding individual arbitration administered by the American Arbitration Association under its consumer rules, before a single arbitrator. The arbitration will be held in Clark County, Nevada, or by video or telephone if you prefer, and the Federal Arbitration Act governs it. The arbitrator decides the dispute, not a judge or jury.
What this section covers. This section applies to any dispute or claim between you and us arising out of or relating to this site, these terms, the tools, our privacy policy, or any communication that we or anyone acting for us sent you — including any telephone call, text message or email. It applies to claims that arose before you accepted these terms. Our affiliates, our service providers, the person who calls you to understand your situation, and the licensed insurance agent we introduce you to may each also rely on this section for claims you bring against them in connection with your inquiry.
Who decides what. The arbitrator decides all questions about whether this section applies to a claim, including whether a claim must be arbitrated at all. Only a court may decide whether the class action and jury trial waiver below is enforceable.
CLASS ACTION AND JURY TRIAL WAIVER. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY INDIVIDUALLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS. YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL.
Who pays for the arbitration. We will pay the arbitration fees that the American Arbitration Association's consumer rules require us to pay. If those rules would have you pay a filing fee larger than it would cost you to file the same claim in court, we will pay the difference. Each of us pays our own legal costs, unless the arbitrator finds a claim or defense was frivolous or brought in bad faith.
Mass filings. If 20 or more substantially similar claims are filed against us within 90 days by the same or coordinated lawyers, they will be administered under the American Arbitration Association's Mass Arbitration Supplementary Rules and its mass arbitration fee schedule, and a process arbitrator appointed under those rules may decide how the claims are grouped and sequenced. Where claims are grouped, any deadline for bringing a claim waiting in a later group is paused until that group is reached.
Exceptions. Either of us may bring a claim in small-claims court instead, so long as it stays an individual claim and is not brought for anyone else. Either of us may also go to court to protect intellectual property or to seek an injunction against unauthorized use of the site. And if you seek public injunctive relief — an order for the benefit of the general public rather than for you — that part of your claim must be brought in court, and will wait until the arbitration has finished. If this sentence is held unenforceable, only this sentence is severed and the rest of this section still applies.
How to opt out of arbitration. You may reject this arbitration agreement by writing to Dreamstone Group LLC, 6960 Smoke Ranch Road, Suite 190, Las Vegas, NV 89128, or by email to [email protected], within 30 days of first accepting these terms, giving your name, the email address you used, and a statement that you reject arbitration. Opting out does not affect anything else in these terms, and we will not treat you differently for doing it.
Governing law and venue. These terms are governed by the law of the State of Nevada, without regard to its conflict-of-laws rules. Where a dispute is not subject to arbitration, it will be brought in the state or federal courts in Clark County, Nevada, and we each agree to that venue.
Changes. We may change these terms. We will post the new version here and update the date at the top. Changes apply to your use of the site from the date they are posted. If you do not agree to a change, stop using the site. We will not apply a change to a dispute that arose before it was posted.
Contact us. Dreamstone Group LLC, dba Annuity Educator, 6960 Smoke Ranch Road, Suite 190, Las Vegas, NV 89128. Email [email protected]. Privacy questions go to [email protected] — see the privacy policy.
By using this site you agree that we may give you notices, disclosures and records electronically, by email or by posting them here, rather than on paper. Where you tick a box or click to accept, that has the same effect as a signature under the federal E-SIGN Act. You will need an email address and a device that can display standard web pages and PDFs. You may withdraw this consent by writing to us, but we may then be unable to provide the service.
Our privacy policy explains what we collect, how we use it and who we share it with, and it forms part of these terms. If you ask to be contacted, you also agree to Section 5.
This site links to carriers, agents and other third parties. We provide those links for convenience only. We do not control those sites, we make no representations about them, and their own terms and privacy policies apply once you leave ours.
We may suspend or withdraw access to the site, or to any tool on it, at any time and without notice, including where we believe these terms have been breached. Sections 7, 8, 9 and 16 continue to apply after access ends.
This site is intended for people in the United States. We do not offer these tools to people in the European Union, the United Kingdom or other regions with their own data protection regimes.
These terms, together with the privacy policy, are the entire agreement between us about the site. If any part of them is unenforceable, the rest continues to apply, and the unenforceable part will be read down to the extent needed rather than removed — except in Section 9, where the class-action waiver, if unenforceable, means the whole of Section 9 does not apply. If we do not enforce a term, that is not a waiver of it. You may not transfer your rights under these terms; we may transfer ours to an affiliate or to a buyer of the business. Neither of us is liable for a failure caused by events outside our reasonable control. Headings are for convenience only.