Book Your 15-Minute Rate Call

Pick a time that works — the call is 15 minutes, by phone or Zoom. We’ll confirm the fit, answer your questions, and if you want, set up the application the same week.

Before the call, you’ll get a short questionnaire — it’s the information Colorado requires a licensed producer to review before recommending any annuity, and it means we spend the 15 minutes on your decision, not paperwork.

New Light Services LLC is a licensed independent insurance agency. Ray Stein, licensed insurance producer, CO license #[NUMBER]. Annuities are insurance products; they are not bank deposits, are not FDIC insured, and are not guaranteed by any bank or government agency. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities may be subject to fees, surrender charges, and holding periods, which vary by insurer. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken before age 59½, may be subject to a 10% federal tax penalty. This page provides general information, not individualized advice; any recommendation will be made only by a licensed producer after a review of your individual situation. An insurance agent may contact you. New Light Services LLC is affiliated with New Light Financial LLC, a Colorado state-registered investment adviser; insurance products are offered only through New Light Services LLC, and producers earn commissions on insurance sales.