Terms & Disclosures

General Website Disclaimer

Serena Rezentes is a licensed insurance agent. Insurance products, rates, features, eligibility, riders, and availability vary by carrier, state, underwriting, and individual circumstances. No coverage is effective until an application has been approved and a policy has been issued by the applicable insurance company. Information on this website is for general educational purposes and is not legal, tax, securities, or investment advice.

States Served

Currently licensed in: Florida, Ohio, Michigan, Maryland, North Carolina, South Carolina, Texas, Tennessee, West Virginia, and Connecticut.

Insurance services are offered only in jurisdictions where Serena Rezentes holds the licenses and appointments required for the applicable product and carrier. If you live in another state, you are welcome to contact me to ask about availability. Insurance recommendations, solicitation, applications, or transactions will not take place until all required licensing and appointment requirements are satisfied.

Retirement / Annuity Section Disclaimer

Insurance and annuity products may be used as part of an overall financial strategy but are not appropriate for every individual. Product values, guarantees, crediting methods, costs, surrender charges, tax treatment, and availability vary by contract and carrier. Guarantees are subject to the claims-paying ability of the issuing insurance company. This information is educational and is not individualized investment, legal, or tax advice.

Mortgage Protection Clarification

Mortgage protection refers to individually purchased life insurance that may provide funds to beneficiaries to help with mortgage payments and other financial obligations after the insured's death. It is not private mortgage insurance (PMI), homeowners insurance, or lender-provided mortgage insurance and is not affiliated with a mortgage lender unless specifically stated.