Annuities

A single premium fixed indexed deferred annuity is a long-term retirement savings product that can help protect you from outliving your hard earned money. It’s a contract between you and an insurance company. In return for your money, or “premium”, the insurance company agrees to provide certain benefits. When you place money into one of our highly rated insurance company indexed annuity products, you create an account that can grow over the years, and then, at a later time, pay you an income for a fixed period of time or for a lifetime.

Our A rated carriers deliver fixed indexed annuity products that provide:

Guarantees

Regardless of market conditions, your annuity can provide you with a Minimum Guaranteed Contract Value which ensures that will receive a minimum interest crediting rate on a percentage of your premium adjusted for withdrawals while the contract is in force.

Growth Potential

The indexed annuity includes an interest crediting system which allows interest crediting based on the performance of an index which is modeled after the S & P 500. We compare the performance of various indexes to ensure that we offer the most competitive opportunity for growth in your annuity account.

Protection

There is no downside market risk to your money that is placed in our fixed indexed annuities.

Tax Deferral

Annuities provide the advantage of tax deferred interest accumulation. Under current tax law (2016), you don’t pay taxes on any growth until you withdraw funds.

Income

You can use the payment options provided by your annuity to create an income stream.

Death Benefit

Your annuity can offer your loved ones a quick source of funds to settle matters after your death.