BENEFITS
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Guaranteed Income
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Tax Deferral
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Protection Against Market Risk
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Death Benefit Options
Types of
Annuities
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A Fixed Annuity provides a guaranteed interest rate on your contributions for a specific period, offering stability and predictability. A fixed annuity might be an excellent choice if you want a low-risk option to protect your principal and ensure steady, reliable growth. Unlike market-linked products, your earnings are not affected by market fluctuations, so you know exactly how much your annuity will grow year after year. Features: Guaranteed Interest Rate, Principal Protection, Predictable Payouts
- A Fixed Index Annuity (FIA) combines the benefits of a fixed annuity with the potential for higher returns tied to the performance of a stock market index (such as the S&P 500). While you are not directly investing in the stock market, the index’s performance determines part of your annuity’s growth. The appeal of FIAs is that they offer market-linked growth potential with downside protection, meaning your principal is protected even in a declining market. Features: Market-Linked Growth Principal Protection Guaranteed Minimum Return.
- A Multi-Year Guaranteed Annuity (MYGA) is a fixed annuity that guarantees an interest rate for a specific number of years, typically 3 to 10 years. MYGAs offer higher returns than savings accounts or traditional fixed annuities with shorter terms, making them a solid choice for individuals looking for stable, tax-deferred growth without market risk. Features: Higher Fixed Rates, Tax-Deferred Growth, Locked-in Rate:
HERE IS YOUR ANNUITY HANDBOOK
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