Annuities: Safety and Long-Term Growth
Guaranteed Income Stream
Provide guaranteed, predictable payments at a fixed interest rate, ensuring a stable income regardless of market conditions.
Fixed Annuities:
Convert a lump sum into regular payments, offering a reliable income stream for life, regardless of how long the client lives.
Immediate Annutities:
Fixed Protection
Guarantee the return of the principal along with protecting the investment from market volatility. Get principal protection while allowing for potential growth based on the performance of a market index, but not investing directly into the index.
Fixed Index Annuities
Tax-Deferred Growth
Annuities allow for the tax-deferred accumulation of investment earnings, enabling faster growth as the earnings compound without annual tax reductions.
These are ideal for retirement planning, especially for individuals in higher tax brackets during their working years who expect to be in a lower tax bracket during retirement.
Potential for Market-led Growth
Offer returns linked to a market index (e.g., S&P 500) while protecting against market downturns.
Fixed Index Annuities
Death Benefit
Annuities often include a death benefit, ensuring that beneficiaries receive financial support if the annuitant passes away.
