Annuities

Protect your future with guaranteed income for the rest of your life. Speak with our financial experts today to find the best options for your financial situation.

What is an Annuity?

Annuities are essentially insurance contracts. You pay a set amount of money today, or over time, in exchange for a lump-sum payment or stream of income in the future.

How an Annuity Works
Annuities are designed to provide a steady stream of income that you CANNOT outlive for people during their retirement years and to alleviate the fears of outliving their assets.

The 3 main components for an Annuity
  1. Help build income that you never outlive
  2. Build to pass assets to your family
  3. Preserve your money so you will not have no downside risk or lose any money.

​We work with multiple Annuity companies so we can get our clients the best Annuity Rates. Contact our team to learn more about Annuities.

Types of Annuities

​Fixed-index annuity
The payout you received from fixed-index annuities is tied to a market index — such as the S&P 500 or Nasdaq. Fixed-index annuities also protect you against losing any of your principal if the index declines. This makes a fixed-index annuity safer than investing directly into an index fund. To pay for this protection, fixed-index annuities set limits on both your gains and your losses.

An Immediate Annuity i
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
 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.

Single premium immediate annuity (SPIA)
A SPIA allows you to make a single lump-sum payment and begin collecting a steady income stream in less than 12 months. It’s also called an immediate annuity or income annuity. They account for only about 10% of annuities sold each year and are preferred by people close to retirement age.

Flexible premium annuity
A flexible premium annuity is one that you purchase through a series of premium payments. They can only be deferred annuities — allowing you to make payments over a long period of time with the promise of a payout in the future. Some may allow you flexibility to contribute without a schedule or minimum number of routine payments.
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Annuities provide guaranteed income for life