Hafnia Insurance Services is an independent California insurance brokerage focused on retirement income planning. It is led by Jan Gleisner, President, a California-licensed insurance producer with 24 years of experience in the California insurance industry. The firm is headquartered in San Diego and serves clients across California, primarily by Zoom.

Yes. Hafnia Insurance Services is operated by Jan Gleisner under California Insurance License #0D77385. Our lead intake specialist, Jonathan Garcia, holds California Insurance License #0M88750. All team members who conduct client calls are California-licensed insurance professionals.

No. Hafnia is an independent brokerage, which means we represent you — not any single insurance carrier. We are appointed with most major U.S. insurance carriers in the fixed indexed annuity market and shop the open market on your behalf. No carrier has a preferred position with us

We are based in San Diego, CA and serve clients across California. All client conversations are conducted by Zoom — there is no office visit required. You can have a thorough, professional consultation from your own home.

A fixed indexed annuity is a type of insurance product designed to provide protected growth and predictable retirement income. Unlike market accounts, your principal is not directly exposed to stock market losses. Growth is linked to a market index (like the S&P 500), but your account is protected from negative returns. FIAs are not securities — they are insurance products.

No — and we will tell you directly if it isn't. Fixed indexed annuities are not a universal solution. They come with trade-offs, including surrender charges, caps on growth, and liquidity limitations. Our job is to help you determine whether an FIA fits your specific situation — and if it doesn't, we will say so.

Yes. Fixed indexed annuities are structured so that your principal is not at risk from negative market performance. While growth may be limited by caps, spreads, or participation rates depending on the product, you cannot lose your principal due to a market downturn. Any guarantees are based on the claims-paying ability of the issuing insurance company.

These are the terms that define how your account grows. A cap is the maximum rate of return in a given period. A spread is a percentage subtracted from the index return. A participation rate is the portion of the index gain credited to your account. We explain all of these in plain language during your strategy conversation — before you commit to anything.

No. Fixed indexed annuities are insurance products, not bank deposits. They are not FDIC insured, not insured by any federal government agency, and not guaranteed by any bank or savings association. Guarantees are backed by the claims-paying ability of the issuing insurance carrier.