Regulatory Disclosures

Licensing

Fortress Insurance & Benefits Group is duly licensed by the State of New Jersey Department of Banking and Insurance as an Insurance Producer. Our principal office is located in Sea Bright, NJ.

• Licensee: Fortress Insurance & Benefits Group
• Principal: Annette Raynor, Licensed Insurance Producer
• License Type: Insurance Producer
• NJ License #: 3004189490
• NPN #: 22197747
• License Effective: 04/22/2026
• License Expiration: 05/31/2028

Lines of Authority

Under our New Jersey Insurance Producer license, Fortress is authorized to transact business in the following lines:

• Accident & Health or Sickness
• Casualty
• Life
• Property
• Variable Life and Variable Annuity

Our license is governed by N.J.A.C. 11:17 and remains valid through the expiration date listed above, subject to renewal requirements including continuing education obligations for resident individual licensees.

General Disclosure

Insurance products and services are offered through Fortress Insurance & Benefits Group. Availability may vary by carrier and jurisdiction. Eligibility and product terms may vary. Variable life insurance and annuities are long-term products designed for retirement purposes. They involve investment risk, including possible loss of principal.

Carrier Appointments

We are appointed to represent numerous highly-rated insurance carriers. As independent brokers, we do not work for any single insurance company. We work for you, our client. Our recommendations are based on a thorough analysis of the market and your specific needs.

Compensation Disclosure

Fortress is primarily compensated via commissions paid directly by the insurance carriers when a policy is placed or renewed. These commissions are built into the premium rates approved by state departments of insurance. Using our brokerage services does not increase your premium. In certain complex commercial or consulting engagements, we may charge a separate consulting fee; in such cases, the fee structure will be disclosed in writing and agreed upon prior to the commencement of work.

Broker-of-Record Designation

When you sign a Broker-of-Record (BOR) letter, you designate Fortress as your exclusive representative for that specific policy or line of coverage. This allows us to negotiate on your behalf and service your policy.

Privacy of Health Information (HIPAA)

In the course of advising on Health, Life, Disability, and Long-Term Care insurance, we may receive Protected Health Information (PHI). We are fully committed to complying with the Health Insurance Portability and Accountability Act (HIPAA) to ensure your medical history is kept strictly confidential and only shared with carriers for underwriting purposes.

Medicare-Related Disclosures

Fortress's authority to transact Accident & Health or Sickness business under New Jersey law may include certain Medicare-related products where appropriate carrier appointments are in place. Where Medicare Advantage, Medicare Supplement, or Part D plans are discussed, the following CMS-required language applies:

"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."

Errors & Omissions Coverage

Fortress maintains comprehensive Errors & Omissions (E&O) professional liability insurance to protect our firm and our clients in the event of an administrative error.

Conflicts of Interest

We maintain strict internal protocols to identify and mitigate potential conflicts of interest. Our advisors are instructed to prioritize the client's best interest over commission levels.

Complaints & Regulatory Contact

If you have a complaint regarding our services, please contact our office at connect@insurewithfortress.com. You also have the right to file a complaint with the New Jersey Department of Banking and Insurance.