Bernz | Bernz Bayabo — Licensed Insurance Professional · CA DOI License #1744829 · NPN 22079584
Bernz Bayabo is licensed to sell insurance in California, Florida, Virginia, Washington, Minnesota, and Arizona. This website is for general educational purposes only and is not an offer of insurance, a solicitation in any state where the agent is not licensed, or a guarantee of coverage or any specific outcome. Product features, availability, riders, and benefits vary by carrier and state and are subject to underwriting approval and the terms of the issued policy.
Life insurance living-benefit and long-term care features are provided through optional riders that may carry additional cost; accessing accelerated benefits will reduce the policy's death benefit and may affect other policy values.
Fixed index annuities are insurance products — not securities or investments. They are not FDIC insured and not bank guaranteed. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Surrender charges and holding periods may apply.
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