Annuities

An annuity is a contract between yourself and a life insurance company in which you agree to pay a premium payment(s) to the issuing insurance company in return for a guaranteed payment(s) at a future date or over a period of time.

A fixed annuity earns a fixed interest rate on your premium. This amount is declared by the insurance company and can change over time and includes a guaranteed minimum interest rate that the contract will earn.

Additional benefits offered by fixed annuities include:

* Tax-deferred growth
* Guarantees to your principal
* The option to take a lifetime income stream
* Avoiding probate with a properly named beneficiary other than your estate

Fixed Index Annuities (FIA)
Bonus Annuities
Immediate Annuities
Multi-Year Guaranteed Annuities

Guarantees are backed by the financial strength and claims paying ability of the insurance carrier.

Annuities

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