Last updated: June 2026
Important information about who we are, what we offer, and how to understand the guidance on this website.
The Top Financial is an independent insurance agency based in Texas. We are an insurance agency and licensed insurance producer — not an insurance company. Insurance products are offered through a licensed Texas life insurance agent (Texas license #3350762), and through licensed agents in other states. You can verify this license with the Texas Department of Insurance.
We are affiliated with Five Rings Financial, an independent marketing organization (IMO), through which we access products from multiple insurance carriers. "Independent" means we are not owned by, or captive to, any single insurance company — it does not mean fee-only or fiduciary; we are compensated by carrier commissions as described below.
We help families with life insurance (including term and permanent life) and annuities (including fixed and fixed indexed annuities). We do not offer securities or variable products. Information on this site about any product category — including fixed indexed annuities — is educational; any individualized recommendation or application is handled by an agent who is licensed, appointed, and (where required) specifically trained for that product in your state.
The Top Financial and its agents are compensated through commissions paid by the insurance carriers whose products we place. You pay no separate fee for our guidance. As an independent agency we represent multiple carriers, and we recommend the option we believe best fits your needs and goals.
The chat on this website is an AI assistant — not a human and not a licensed insurance agent. It provides general educational information, helps with your questions, and can connect you with a licensed human agent; it does not give individualized financial, legal, or tax advice, and no recommendation to buy a product is made through the chat. Conversations are processed by our own lead platform to serve your request, as described in our Privacy Policy.
The information on this website — and from our AI guide — is for general educational purposes. It is not financial, legal, or tax advice, and it isn't a recommendation to buy any specific product. For advice about your situation, talk with a licensed agent and, where appropriate, your own tax or legal professional.
Any guarantees — such as guaranteed interest, principal protection, or lifetime income — are backed by the financial strength and claims-paying ability of the issuing insurance company, not by The Top Financial. Insurance and annuity products are not bank deposits, are not FDIC-insured, and are not guaranteed by any bank or government agency.
Product features, availability, rates, and terms vary by product, by carrier, and by state, and can change over time. Annuities are long-term products; withdrawals may be subject to surrender charges and, if taken before age 59½, possible tax penalties.
Nothing on this website is an offer to sell, or a solicitation to buy, any insurance product in any state where we are not licensed. We offer or solicit insurance products only in states where we hold the required licenses — contact us to confirm availability in your state. This website is not directed to residents of New York, and we do not offer or solicit insurance products in New York. Coverage is subject to the terms of the actual policy or contract issued by the insurer.
Any figures, examples, or illustrations shown are for explanation only. They are not quotes, predictions, or guarantees of future results. Your actual options depend on your situation and the issuing carrier.
For questions about our licensing or these disclosures, please reach out through our contact page.
This page is provided for general informational purposes and is not legal advice. The Top Financial — Texas roots, serving families nationwide.