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We offer innovative products and services
that can help you achieve your financial goals and enjoy your
financial freedom. We offer fixed and variable annuities that
are designed to meet the challenges of today’s market
realities.
Benefits of Annuities
Annuities can offer benefits and advantages
to help people enjoy a secure retirement. Variable annuities
offer the opportunity to benefit from stock and bond market
upswings while providing certain guarantees. Fixed annuities
offer the advantages of safety of principal and minimum interest
rate guarantees. Some forms of fixed annuities, known as equity-indexed
annuities provide the opportunity to participate in equity
index performance. Whether you are conservative or willing
to tolerate a measure of risk – our annuity products
may help you meet your retirement goals.
Benefits offered by our annuities include:
- Tax-deferred growth
- Premium bonuses
- Potential to participate in market gains
- A lifetime income stream
- Probate avoidance
Annuities have two phases:
Tax-deferred accumulation phase:
During the accumulation phase, a variable
annuity may be an ideal vehicle to help you build your retirement
nest egg. Your money may grow, tax-deferred, as you allocate
your assets to a wide variety of market indexes. You only
pay income taxes when you take withdrawals or annuitize your
contract. Annuities also offer a death benefit during this
phase to help protect your beneficiaries.
Retirement income phase:
When you are ready to start taking
income, an annuity may offer a wide array of payout options.
You can choose whether you want to receive income for a specific
period of time or receive income that you can't outlive.
Our annuities come with a variety
of withdrawal, income, and death benefits - offering you the
rewards that market participation may offer along with the
benefits that help you protect your investments for you and
your beneficiaries.
Fixed Annuities
The purpose of a fixed annuity from a life
insurance company is to create an income stream in exchange
for premium or premium payments. Fixed annuities can be safe
and secure investments – even if the market fluctuates.
Fixed annuities feature value-added benefits backed by long-term
guarantees - offering you peace of mind.
A fixed annuity can be one of the safest
and most secure financial products available to help prepare
for your retirement
The purpose of a fixed annuity from a life
insurance company is to accumulate money tax-deferred for
later pay out in the form of income. Fixed annuities offer
the advantages of safety of principal and minimum interest
rate guarantees. Some forms of fixed annuities, known as equity
indexed annuities provide the opportunity to link performance
to equity index performance.
Benefits offered by our annuities include:
- Tax-deferred growth potential
- Interest bonuses to help overcome loss
or surrender charges
- Potential for market index gains
- Safety of principal and minimum guarantees
- Taking a lifetime income stream
- Avoiding probate
For more information about the different
types of annuities and how they can help you plan for your
retirement, call us at 800-627-2241.
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