Annuities Provide A Living Benefit And So Much More

For those looking for stable investment options that protect against drops in the market, but also allow for some growth potential, annuities are worth considering. Annuities provide a tax deferred investment option as well as guaranteed income payments for life in retirement. There are two different types of annuities to choose from: immediate and deferred annuities.

Annuities give you and income for life and tax-favored savings. They can help to diversify your portfolio and mitigate against any downside risk in the market. 

Deferred annuities come in many varieties: Fixed, indexed and variable. Each of these has different potential returns with varying levels of risk. However, you can add riders that provide downside protection on the more risky ones to provide the best of both worlds. We belive they are an excellent tool to supplement your retirement income and should be considered when planning for retirement.

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Immediate Annuities

Immediate annuity
Purchased with a single premium (SPIA)
Has no accumulation period
Income payments begin within 12 months

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Deferred Annuities

Bought with single premium (SPDA) or
Flexible premiums (FPDA)

Has an accumulation period
Owner will decide when annuitization period will start

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Mitigating Downside Risk in the Market with Annuities and Life Insurance.


Retirement Planning

Determine you goals and build a plan to secure the future you envision.

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Every business and each family have different financial needs. However, there is a unifying goal for most of us: we want financial security.

Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.  Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.