Fixed indexed annuities

For a predictable return with growth potential

 

  • Provides a monthly payout that has the potential to grow (based on S&P 500 Index)

  • Can specify payouts for a fixed period of time or for life (annuitization)

  • Tax-deferred

  • Protects against market downturns - your account value cannot fall with the market

  • Not an investment, an insurance product

  • Best for investors with low-risk tolerance who seek greater growth potential than other fixed indexed products

Fixed annuities
For a predictable return

 

  • Provides a monthly payout based on a fixed interest rate

  • Can specify payouts for a fixed period of time or for life (annuitization)

  • Earnings are not taxed until paid out (tax-deferred)

  • Best for investors with low-risk tolerance who seek wealth preservation or an addition/alternative to other fixed-income vehicles (Bonds, CD's, etc.)

Immediate annuities
 For current income

 

  • Provides income payments for a fixed period of time or for life

  • Income payments can be fixed, adjusted annually according to an outside index, or variable (based on the performance of underlying sub-accounts)

  • Offers multiple options for payout, including income that lasts for your entire life (or for the lives of you and your spouse)

  • Income payments are taxed using the exclusion ratio method (each payment consists of earnings and a return of basis)

  • Maybe appropriate for individuals with low to moderate or high-risk tolerance (depending on the type of payout option chosen) who seek current income