What is an Annuity?Annuities are contractually-executed, relatively low-risk investment products; the insured (usually, an individual) pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period (predetermined by the insured). The insurer invests the premium; the resulting profit/return on investment fund the payments received by the insured, and, compensate the insurer.
Conventional annuity contracts provide a predictable, guaranteed stream of future income (e.g., for retirement) until the death(s) of the beneficiaries(s) named in the contract, or, until a future termination date – whichever occurs first. These financial instruments have been used to accumulate funds and provide significant and sudden increases in personal income (via future, lump-sum withdrawals), all while legally avoiding the taxes (e.g., income-, capital gains-, estate-) that would otherwise be assessed on them. How to Create a Guaranteed Income Stream During Retirement
Click Here to download our free guide on retirement planning and how to create a guaranteed, lifetime income. You can use a variety of funding methods to create guaranteed income including CD’s, money markets, non-qualified savings, most any retirement account such as IRA’s, 401(k)’s, 403(b)’s, TSP, SEP’s, 457 plans, old annuities and other insurance products.
The Safe Retirement BlueprintThis is a very powerful tool that many retirees have used to add up to 30% guaranteed and life-long income to their retirement! Click the link below and see what a Safe Retirement Blueprint could offer in your retirement. Watch the short video and just answer a few questions and we’ll start working on your blueprint. You will receive a confirmation email and then all you need to do is schedule a time to follow up with us. See what we can help you accomplish using only a portion of your retirement funds.
Click HERE to obtain your Safe Retirement Blueprint Immediate Annuities vs. Deferred AnnuitiesAn Immediate Annuity is an insurance policy which, in exchange for a sum of money, guarantees that the issuer will make a series of payments. These payments may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives, or even whichever is longer.
A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment Contact us to learn more about the right annuity for you. |
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