Risk Free Retirement Co.
Risk Free Retirement Co.

Terms of Service

Last updated: January 27, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the websites, videos, landing pages, and services provided by Marco Palumbo dba Risk Free Retirement Co ("Company," "we," "us," or "our"). By viewing our VSL, using our website, submitting a form, or booking a call, you agree to be bound by these Terms and our Privacy Policy.

2. New York Insurance Producer Identification

Services are provided by Marco Palumbo, a New York–licensed life and health insurance producer (NY License No. 828886595; National Producer Number (NPN): 21068366), doing business as Risk Free Retirement Co. Marco Palumbo is authorized to solicit and sell certain life and health insurance products, including fixed annuities and fixed indexed annuities, through insurance carriers with which he holds active appointments.

We are not a registered investment adviser, broker-dealer, financial planner, or fiduciary under federal securities law. We do not provide securities brokerage, investment advisory, or fiduciary investment management services. The products we offer are insurance products regulated under New York Insurance Law, not securities regulated under federal or state securities laws.

3. Best-Interest Standard

When recommending an annuity or life insurance product, we are required under New York Regulation 187 (11 NYCRR § 224) to act in your best interest at the time of the recommendation, without placing our financial interest ahead of yours. This means:

  • We must have a reasonable basis to believe that the recommended product effectively addresses your insurance needs and financial objectives, taking into account known information about your age, financial situation, insurance needs, financial objectives, risk tolerance, liquidity needs, and other relevant factors.
  • We must consider reasonably available alternatives and recommend a product that is suitable for you based on the factors above.
  • We must disclose and manage any material conflicts of interest, including compensation arrangements, in a way that does not compromise our obligation to act in your best interest.

This best-interest obligation applies to the recommendation of insurance and annuity products only. It does not create a fiduciary relationship under federal securities law or the Employee Retirement Income Security Act (ERISA).

4. No Investment, Legal, or Tax Advice

The content on our website, in our videos, emails, and calls is for educational and informational purposes only and does not constitute individualized investment, legal, tax, or accounting advice. You should consult with your own licensed financial professional, attorney, and tax advisor before making any financial decisions, including purchasing annuities or other retirement products.

5. No Guarantee of Results or Performance

Any examples, case studies, or hypothetical illustrations of retirement income, annuity performance, or "guaranteed income" are for demonstration purposes only and are subject to the terms, conditions, and guarantees of specific insurance contracts issued by licensed carriers. Important considerations include:

  • Fixed annuities: Guarantees of principal and minimum interest rates are backed solely by the claims-paying ability of the issuing insurance carrier, not by any government agency, bank, or credit union.
  • Fixed indexed annuities (FIAs): Index-linked interest credits are subject to caps, spreads, participation rates, and other limiting factors set by the carrier. These factors may change over time. Past index performance does not guarantee future results. FIAs are not directly invested in any stock market index, and you may receive zero index-linked interest in periods where the index performs below the applicable threshold.
  • Surrender charges and liquidity: Most annuities impose surrender charges during an initial period (commonly 5–10 years). Early withdrawals may be subject to surrender charges and, if taken before age 59½, may be subject to a 10% federal tax penalty in addition to ordinary income tax.

Actual results will vary depending on your age, health, product selection, carrier, state of residence, premium amount, fees, and other factors. There is no guarantee that any strategy will meet your objectives. All product-specific terms, conditions, exclusions, and limitations are set forth in the policy contract issued by the carrier.

6. Eligibility and Jurisdiction

Our services are intended for U.S. residents who are at least 18 years of age and who are legally able to enter into binding contracts. We primarily serve New York residents and may decline to provide services if we are not appropriately licensed or appointed in your state.

7. Your Responsibilities

You agree to:

  • Provide accurate, current, and complete information when submitting forms or booking calls. Inaccurate information may affect suitability determinations and product recommendations.
  • Not misuse the website or services, including by attempting to gain unauthorized access or transmitting harmful code.
  • Use any information and materials provided by us only for your personal, non-commercial purposes and not to resell or redistribute them without our written consent.
  • Disclose relevant information about your existing insurance policies, financial situation, and insurance needs so that we can fulfill our best-interest obligations under Regulation 187.

8. Insurance Disclosures and Compensation

In connection with the recommendation or sale of an annuity or other insurance product, we may be paid commissions or other compensation by the insurance company issuing the product. This compensation may vary by product type, carrier, and premium amount. Where required by New York law (including Regulation 194 and Regulation 187), we will provide you with appropriate disclosures regarding:

  • Our role as an insurance producer (agent or broker).
  • The nature and source of our compensation, including whether we receive commissions, bonuses, overrides, or other incentive compensation from carriers or marketing organizations.
  • Any material conflicts of interest that may arise from our compensation arrangements.
  • The names of the insurance carriers whose products we are authorized to offer.

These disclosures will be provided to you at or before the time a recommendation is made, as required by applicable law.

9. Free-Look and Cancellation Rights

Under New York Insurance Law, you have the right to examine and return certain insurance products within a specified period after delivery for a full refund of premiums paid:

  • Life insurance policies: You have at least 10 days after receipt of the policy to return it for a full refund (the "free-look" period).
  • Annuity contracts: You generally have at least 10 days after receipt to return the contract for a full refund. In replacement situations (where a new annuity replaces an existing one), the free-look period may be extended to 60 days under New York Regulation 60 (11 NYCRR § 51).

During the free-look period, you may return the policy or contract for any reason and receive a full refund of all premiums paid, without penalty. Specific free-look terms are set forth in the policy or contract documents provided by the issuing carrier. We will inform you of your free-look rights at the time of policy delivery.

10. Intellectual Property

All content on our websites and in our VSLs — including text, images, audio, video, graphics, logos, and branding — is owned by or licensed to Marco Palumbo dba Risk Free Retirement Co and is protected by intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

11. Third-Party Services and Links

We may use or link to third-party services such as Calendly, Zoom, CRM platforms, payment processors, advertising networks, and others. We do not control these third parties, are not responsible for their content or practices, and your use of those services is governed by their own terms and policies.

12. Disclaimers

Your use of our website, content, and services is at your own risk.

  • We provide our sites and information "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
  • We do not warrant that the site will be uninterrupted, secure, or error-free, or that any defects will be corrected.
  • Nothing on our sites or in our communications should be interpreted as a guarantee that any particular product or strategy is suitable or will be approved; suitability and best-interest determinations are made on an individualized basis in accordance with New York Regulation 187 and carrier underwriting requirements.
  • Illustrations, projections, and income examples shown on this website or in our videos are hypothetical, do not represent any specific product, and are not guarantees of future performance.

13. Limitation of Liability

To the maximum extent permitted by law, in no event shall Marco Palumbo dba Risk Free Retirement Co, its owners, employees, or agents be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of our sites, content, or services. Our total liability for any claim arising out of or relating to these Terms or your use of our services shall not exceed the amount you paid us directly for services (if any) during the three (3) months preceding the claim.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable New York or federal law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Marco Palumbo dba Risk Free Retirement Co and its owners, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the website, content, or services.
  • Your violation of these Terms or applicable laws.
  • Your infringement of any third-party rights.
  • Any inaccurate or incomplete information you provide to us.

15. No Client Relationship Until Signed Documents

Viewing the VSL, submitting a form, or booking a call does not create an advisory, fiduciary, or client relationship between you and the Company. A client relationship is only established after all required applications and documents are completed, accepted by you and the relevant insurance carrier(s), and any suitability, best-interest, and compliance reviews are successfully completed.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms or your use of our website or services shall be resolved in the state or federal courts located in Nassau County, New York, and you consent to the exclusive jurisdiction of those courts.

17. Changes to Terms

We may modify these Terms at any time. If we make material changes, we will update the "Last updated" date above, and your continued use of the website or services after any changes means you accept the revised Terms.

18. Contact Information

If you have questions about these Terms, contact:

Marco Palumbo
dba Risk Free Retirement Co
3189 Judith Dr.
Bellmore, NY 11710
Phone: (917) 663-6562
Email: info@financialfreedomhub.net