Annuities are a way to pay your future self—like a personal pension plan. The money you earn today can provide for the things you need tomorrow.

Annuities are investment products that are designed to provide you with a regular source of income to help you live more comfortably during retirement. Depending on your goals and your financial profile, an annuity can be designed specifically to meet your needs so you can relax, knowing you have a source of income that you won’t outlive.

Why do you need a deferred annuity?

 If you’ve maxed out your 401(k) or IRA contributions, a deferred annuity may be a smart addition to your retirement plans because annuity earnings during the accumulation phase are tax-deferred. And, by converting your accumulated value into a guaranteed income stream, a deferred annuity can provide the same feeling of security you get from earning a regular paycheck—even when you are no longer working. 

What Are The Benefits

Annuities offer lots of options that benefit you, including: The ability to invest in many different types of investments. Tax deferral on earnings until funds are withdrawn and favorable tax rates upon withdrawal. Protection from creditors. Provision of a lifetime source of income that goes beyond Social Security and defined-benefit pension plans. Death benefits designed to pay your beneficiary a specified minimum amount

Safeguard against uncertainty

Unlike many retirement options, fixed deferred annuities earn a guaranteed minimum rate of interest with the opportunity for higher returns as well. Your contribution grows predictably to fund an income you can count on—regardless of market fluctuations.

Did you know?

Key Advantages of Fixed Annuities


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