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What is an Annuity?

An annuity is a long-term contract between you and an insurance company, where you make a lump-sum payment or series of payments, and the insurer will make payments to you now or later - you choose. Some advantages to having an annuity is that they are tax-deferred and may include a death benefit. Specifically designed to supplement retirement income, an annuity can provide income after you have stopped working that you can't outlive.

What are Some of My Choices?

  1. Fixed Annuity. A fixed annuity guarantees you will earn a minimum rate of interest during the time that your policy is growing. For more conservative investors, this is a safe and steady way to grow retirement assets at a fixed rate of interest with a tax deferral.

  2. Equity Index Annuity. An equity index annuity earns interest based on changes to a nationally recognized index or indexes such as the S&P 500 or NASDAQ. The credited interest is based on the performance of the chosen index, which can never decrease. It also promises a minimum interest rate.

  • Guaranteed Rates
    A contract will protect you if anything should happen.
  • Power of Choice
    You decide when to start drawing out income from your insurer.
  • Long-term Commitment
    Vehicles specifically designed to supplement retirement income.