Insurance Disclosures

General information only

The insurance information on this website is provided for general educational purposes. Product availability, eligibility, premiums, benefits, exclusions, and policy terms vary by insurer and applicant and are subject to underwriting and the terms of the issued policy. Nothing here is an offer of coverage or a guarantee of eligibility or price.

Independent agency and carriers

Brightside Financial is an independent insurance agency. Charlie Brown is a licensed insurance producer in Minnesota. Insurance products are offered only where licensed and appointed. Product availability, benefits, premiums, eligibility, underwriting requirements and carrier availability vary based on the individual and the state. Not all products or carriers are available to all individuals. Coverage is subject to the terms and conditions of the applicable insurance policy.

Charlie Brown is an independent insurance broker who may represent multiple insurance carriers. Available products and carriers vary by state, product and individual eligibility. Recommendations are based on the information provided and applicable carrier underwriting guidelines.

Not advice

This content is not legal, tax, or financial advice. Individual situations differ, and you should consider speaking with a qualified professional before making decisions. Any examples are illustrative and general.

How products are described

• Descriptions of term, whole, final expense, burial, indexed universal life (IUL), annuities, and mortgage protection explain how these products generally work.
• Actual features, riders, waiting periods, and costs depend on the specific insurer and policy you choose.
• We do not display specific rates unless they can be tied to a current, dated quote and its assumptions.

Indexed universal life and annuities

Indexed universal life and fixed indexed annuities credit interest based on the performance of an external index, subject to a cap, participation rate, spread, and/or floor set by the carrier. They are not investments, you are not invested in the index or the stock market, and past index performance does not guarantee future results. Riders, fees, surrender charges, and market value adjustments may apply and vary by product. Guarantees are backed by the claims-paying ability of the issuing insurance company. Withdrawals of annuity earnings may be taxable and, if taken before age 59½, may be subject to an IRS penalty.

Verifying a producer

You can verify the license status of any insurance producer through the Minnesota Department of Commerce before purchasing a policy. We encourage you to do so and to ask any producer to confirm their license and national producer number directly.

Licensing information

Any reference to licensing is not intended to imply or constitute an endorsement of Brightside Financial, Charlie Brown or any insurance carrier by the Minnesota Department of Commerce or any other governmental agency.

Compensation

Insurance professionals are typically compensated by the insurance company when a policy is issued, usually at no separate charge to you for their help. Charlie can explain how compensation works for any specific product before you make a decision.