Annuities

• Annuities Basics
   Securing your loved ones futures is important, and we can make that process simple, the way it should be. You can begin the process now, by simply choosing the product below that you are interested in.We pride ourselves on our outstanding customer service. Our simple approach to the insurance shopping and buying process makes us unique in the industry.
   

• Fixed Annuities
   A fixed annuity is a deferred investment which pays a stated rate of return for a stated period and provides the added security of a stated minimum interest rate. These annuities are best at helping you meet your long-term goals. A fixed annuity may allow you to achieve potentially higher returns because taxes are generally deferred, a feature that allows you to benefit from the effects of compounding in three ways: You earn a return on your investment; on your earnings; and on the money you would otherwise have paid in taxes. Get a quote on a fixed annuity to begin the process of securing a fixed annuity now.
   

• Immediate Annuities
  Immediate annuities provide current income. You can arrange your annuity to provide income that is guaranteed for as long as you live. And, in many cases, you can also include a provision that allows your beneficiary to receive the income in the event you die prematurely. Request a quote on an immediate annuity and see how you can guarantee a steady income stream.

  Variable annuities are deferred investments that have the same tax benefits of deferred fixed annuities, but their rate of return varies according to the returns of investment sub-accounts. You select the sub-accounts you want to invest in and decide how much risk you want to take. By allocating portions of your investment to different asset classes, it is possible to achieve a balance between risk and potential reward that is suitable for your particular circumstances. Take control of your investments by requesting a quote on a variable annuity.
   

• Deferred Annuities
   Offer a guaranteed interest rate for a set period of time. Your earnings grow tax deferred until you begin to withdraw your income. Because your principal and interest rate are guaranteed by the issuing company, it is important to consider a strong, stable company that will be there tomorrow. The company generally resets the interest rate periodically, but guarantees the rate will never fall below a minimum rate stated in your contract.
   

• Annuities Vs CD’s

  	CD's	Annuities
  Tax Deferred Growth	No	Yes
  Bonus Available on Premium	No	Yes
  Avoidance of Probate	No	Yes
  Guaranteed Lifetime Income	No	Yes
  Potentially Higher Yields	No	Yes
  Flexible Premiums	No	Yes
  Loan Privileges	No	Yes
  FDIC Insured	Yes	No

• Safety: CD’s are insured at 100,000 each by the FDIC. Annuities, though not FDIC insured, have strength as well. Foremost the strength of the insurer.. Rated and made public by independent agencies like A.M. Best Company and Standard and Poor’s. These companies financial strength’s indicate their ability to pay future benefits. The higher rating the stronger the company is financially. The companies we represent are a select group of companies that are the highest available in financial strength.

 You can call our customer service representatives Monday through Friday
9 am - 5:30 pm and Saturday 9 am - 2 p.m. to give you personalized phone quotes.