Insurance Disclaimer

Insurance and financial compliance information

MMT Financial and Insurance is a DBA of MM Management Consulting Co., Inc. Insurance products are offered through Freedom Equity Group, LLC.

Marc Merritt, NY Lic. LA-1010090 (licensed since 2001) | Marylene Teopengco-Merritt, NY Lic. LA-1298496 (licensed since 2017) | Tanya Ransom, NY/NJ Lic. LA-1973798.

Licensed in New York, New Jersey, and Pennsylvania. Nationwide carrier appointments pending.

Insurance products are not deposits, are not FDIC or NCUA insured, are not insured by any federal government agency, and are not guaranteed by any bank or credit union. All guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

This website is for informational and educational purposes only. It is not an offer to sell, or a solicitation to buy, any insurance product in any state in which the producer is not licensed and appointed. Product availability, features, and rider provisions vary by state.

Fixed Indexed Annuities and Indexed Universal Life insurance are long-term contracts. Surrender charges, caps, participation rates, rider fees and living-benefit definitions are set by the issuing carrier and can change. Illustrated values are projections, not guarantees. Policy loans and withdrawals reduce cash value and death benefit and may have tax consequences. Nothing on this website is tax or legal advice; consult your own tax or legal adviser.

Disability income insurance is not offered by MMT Financial and Insurance; inquiries are referred to an appropriately licensed specialist.