FIXED INDEX ANNUITIES ARE AN INSURED INVESTMENT THAT TIES YOUR INTEREST RATE TO THE GROWTH A MAJOR STOCK MARKET INDEX, LIKE THE S&P 500. AS THE S&P 500 RISES, THE ANNUITY COMPANY CREDITS YOUR ACCOUNT WITH INTEREST. WHEN THE S&P 500 FALLS, THE INSURANCE COMPANY PROTECTS YOUR PRINCIPAL AGAINST LOSSES WITH A POSITIVE INTEREST RATE. EFFECTIVELY, THE INDEX ANNUITY TAKES THE RISK OUT OF STOCK MARKET INVESTMENT BECAUSE THE INSURANCE COMPANY GUARANTEES A MINIMUM RATE DURING BAD MARKET CONDITIONS. AS ANY SUCCESSFUL INVESTOR WOULD ATTEST, THE SECRET TO BUILDING WEALTH IS MITIGATING LOSS! IF YOU ARE UNSATISFIED WITH THE PERFORMANCE OF YOUR CURRENT RETIREMENT VEHICLE, LIKE A CD OR 401K, LET US DO A COMPARISON TO SEE IF A FIXED INDEX ANNUITY IS RIGHT FOR YOU!

Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. With an annuity, you can benefit from tax-deferred savings and ensure that you have a guaranteed income in retirement.

CALCULATOR

Things to consider in Retirement:

  • How much money will I need in Retirement?
  • What happens if I outlive my savings?

No matter how well you plan, factors like inflation, tax hikes and increased medical expenses can potentially eat away at your retirement savings, forcing you to suffer a lower quality of life or rely on your family for financial support in your golden years. An annuity can help you avoid a future dilemma and safeguard your financial security by providing you with guaranteed income throughout retirement! In fact, you can structure an annuity to pay you for the rest of your life. You can also use annuities to transfer wealth to the next generation while avoiding probate.

The best part?

YOUR ANNUITY IS GUARANTEED TO NEVER LOSE MONEY!


Here are the two most common types of annuities:

Fixed Annuity

This annuity gives the investor a stated interest rate over a specified amount of years, or for life. The investor knows exactly what the future returns or income stream the annuity contract will produce, because the applicable rates are set at the time of purchase and never change. Fixed annuities provide a guaranteed income, and are the alternative to combat stock market losses, and financial market uncertainty affecting corporate and government bonds.

Fixed Index Annuity

Similar to the fixed structure, a Fixed Index Annuity provides a base return rate (Generally around 3%) but also ties in an index such as the S&P 500 or the Dow Industrial, which will provide higher returns when the index performs well. There is no risk of loss, as you cannot earn less than 0% on the index. This is a smart choice for an annuity, and returns may be higher than fixed instruments such as CDs, money market accounts, and bonds. Index Annuities are insured by the State Guarantee Fund.