Email Policy

DCF Exchange, LLC and the  (We/ Us/Our) will never sell, rent, or disclose your email address to any third parties for any marketing or solicitation purposes.  Email communications from us are strictly limited to the information, products, and services we ourselves offer.  You are free to unsubscribe at any time and unsubscribe links are posted on all our regularly scheduled emails.  You can also unsubscribe by requesting removal via the Contact Us form or by calling us at 877-321-7927.  Please also view the Terms of Use and Privacy Policy pages.


As with any transaction, there are certain risks associated with DCF Income Payments (DCF’s or SMAs).    Likewise, because everyone’s situation is distinct, there are many considerations, including time horizon and risk tolerance, which each purchaser must weigh in his or her decision process.  The risks normally associated with SMAs are as

  • DCF Income Payments are subject to interest rate risk.  Market interest rates may rise while the return of DCF Income Payments remains fixed.  There are several ways to hedge against this risk, including but not limited to, laddering of different assets, and limiting exposure to any single asset class.
  • DCF Income Payments cannot be surrendered directly with the insurance carrier.  DCF Exchange can facilitate the resale of payment streams for purchasers, at market rates at the time of such resale, but cannot guarantee the timeline, completion, or pricing of resales.
  • DCF Income Payments are fixed rate receivables.   The strength of a payment stream is directly related to the financial strength of the insurance company that issues that payment.

All reference to Guarantees are subject to the claims paying ability of the individual insurance carriers.  DCF Income Payments are not deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency.  In the event of carrier insolvency, State Insurance Guarantee Associations may provide protection to purchasers of Secondary Market Annuities, however DCF Exchange makes no representation or warranty in this regard.


In addition to the risks noted above, there are certain considerations a purchaser must take into consideration before any decision.  Specifically to DCF Income Payments, a purchaser should be aware of the following:


Taxation is a matter between a purchaser and their tax advisors.  The tax a purchaser pays depends on both US tax law and the Buyer’s country of residence.  DCF Exchange expresses no opinion on a purchaser’s tax obligations and recommends that you consult your tax advisor accordingly.


DCF Income Payments, often referred to as Secondary Market Annuities, are fixed rate receivables.  They are not derivatives and are not securities, and not tied to any market value fluctuation.  DCF Exchange and its related companies have no ownership of the payment stream once sold to end purchasers, and do not handle any payments to purchasers.  The strength of a payment stream is directly related to the financial strength of the insurance company that issues that payment.