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Fixed Annuities
A fixed annuity can be one of the safest and most secure financial products available to help prepare for your retirement. The purpose of a fixed annuity from a life insurance company is to accumulate money tax-deferred for later pay out in the form of income.
Fixed annuities offer the advantages of safety of principal and minimum interest rate guarantees. Some forms of fixed annuities, known as equity indexed annuities, provide the opportunity to link performance to equity index performance.
Equity Index Annuities
EIAs are unique products that offer the safety and guarantees of fixed annuities combined with the opportunity to participate in potential market index gains—without directly linking to the market. Your money will not be affected by market losses. EIAs provide earning potential while keeping principal safe from market fluctuation.
Immediate Annuities
Unique and innovative immediate annuities can help ensure a steady and predictable income over a specified number of years or throughout your lifetime.
Immediate annuities are purchased with a single payment and income payments can begin immediately. Part of your principal is returned with each income payment, which means that you receive greater amounts than you would be provided by interest alone.
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