Zoop Benefits is a licensed insurance and annuity agency. We are not a registered investment adviser, tax preparer, attorney, or CPA firm, and we do not provide investment planning services. Insurance and annuity products are not bank deposits and are not insured by the FDIC or any federal government agency. They are backed by the financial strength of the issuing insurance carrier and, within applicable limits, by state insurance guaranty associations. Carrier financial strength ratings (e.g., AM Best A+) reflect an independent opinion of a carrier's ability to meet its obligations — they are subject to change and are not a recommendation to purchase any product. Results shown on this site reflect specific client circumstances and are not guarantees of future outcomes. Not affiliated with the IRS, SEC, VA, DoD, or any government program. Full Disclosures Here.