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Are you interested in:
A) Traditional fixed annuities/ CD annuities.
A tax-deferred annuity is a contract between you and an insurance company for a guaranteed interest-bearing policy with guaranteed income options. The insurance company credits interest, and you don’t pay taxes on the earnings until you make a withdrawal or begin receiving an annuity income. Your annuity contract earns a competitive return that is very safe. Read More
B) Immediate annuity/ Income Annuity /Income Insurance.
A Single Premium Immediate Annuity or “Income Annuity” is a contract between you and an insurance company. By paying in a lump sum of money, you are guaranteed to receive a series of payments over a period of time. The amount of the payment is determined by both the current interest rate at the time your contract is issued and by choices you make from a wide variety of payment options. Once your contract is issued, your payments are fully guaranteed for the period of time you have chosen. Read More
C) Fixed-Indexed Annuity/ upside potential with principal and interest.
Fixed-Indexed Annuities are tied to major stock market indexes and not to the performance of individual stocks or mutual funds, providing complete safety of principal and interest rate guarantees. They are a fixed financial product, they are not a securities product. Fixed-Indexed Annuities are an excellent alternative savings vehicle, a choice for people who are planning to retire, or are already retired. Again, not only is there “Zero-market-risk” associated with Fixed-Indexed Annuities, but when the market goes up and you have an investment gain, it is locked-in and yours to keep. It cannot be taken away. Read More
D) Long-Term care Annuities
The long-term care annuity is simply a traditional tax-deferred annuity with additional long-term care benefits. Most people are genuinely concerned about the possibility of needing long term care, but very few people are actually willing to pay for it. It is logical, that a sound financial plan should include a method for coverage of nursing home care. The insurance industry has figured out how to combine the protection of a fixed annuity and the need for long term health care needs. Read More
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