| Annuity Benefits and Features |
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Enjoy the safety of principal, steady tax-deferred growth, a guaranteed rate of return (set annually), and guaranteed income options. Enjoy the safety of principal, steady tax-deferred growth, a guaranteed rate of return (set annually), and guaranteed income options. |
Retirement Solutions |
Annuity Benefits & Features |
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Fixed Products |
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Safety of Principal |
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Minimum Fixed Rate Guaranteed |
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Tax deferred growth |
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Monthly Income Riders |
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Penalty-free income options (Optional Riders) |
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Traditional Fixed Annuities |
Fixed Annuities have been helping people from all walks of life prepare for a secure retirement. With their combination of tax-deferred accumulation, minimum interest rate guarantees, and lifetime income options, Fixed Annuities have long been an important — and most would agree conservative — component of many Americans’ financial portfolios.
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Fixed Indexed Annuities |
Fixed Indexed Annuities are probably best described as “ Fixed Annuities with an interest crediting option linked to an outside index”.
In other words, Fixed Indexed Annuities combine the features of a Fixed Annuity — including tax-deferred accumulation, a guaranteed minimum value, and guaranteed income at retirement — with an interest crediting option that generally gives contract holders a very competitive rate of return over the long term, particularly when the market indices are increasing in value.
| Annuities have two phases: |
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Tax-deferred accumulation phase: During the accumulation phase, a variable annuity may be an ideal vehicle to help you build your retirement nest egg. Your money may grow, tax-deferred, as you allocate your assets to a wide variety of investment options. You pay income taxes when you take withdrawals or annuitize your contract. Annuities also offer a death benefit during this phase to help protect your beneficiaries. |
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Retirement income phase: When you are ready to start taking income, an annuity may offer a wide array of payout options. You can choose whether you want to receive income for a specific period of time or receive income that you can't outlive. |
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Our Annuities Core Carrier Lineup |
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* This interest crediting is called an Indexed Strategy, and it links the amount of interest credited to the annuity to the performance of a specific index; for example, the Standard & Poor’s 500® Stock Index (S&P 500®).
Fixed Indexed Annuities give contract holders a choice. Depending on their needs and personal tolerance for risk, contract holders can select a traditional “declared” rate of interest, or they can select one or more indexed strategies, or both.
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| News and Information |
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| Retirement Solutions |
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Annuities Overview |
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Basic Things you should know about Annuities |
Did you know?
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You can choose payments that last your lifetime, the lifetime of you and your spouse (or another person), or a fixed number of years. Ask a Representative about this Income Rider feature. |
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Second Point - Contact us and let us show you How Annuities Work! |
| Our Values |
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You rely on us to help design a comprehensive plan that will serve as the basis for a strong financial future. We take that responsibility seriously. Trust is a valuable commodity and it serves as a pillar in making any relationship work, to that end we adhere to the laws and regulations that govern our business. |
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We strive to act with integrity across all areas of our business and demonstrate a high level of ethical standards in all our practices. |
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| A Practical Approach |
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Seasoned professionals work closely with the best products in the industry to achieve the highest value for our clients. At the center of our planning is a realistic, needs-based approach to your financial strategy. We work closely with you to understand your unique situation and develop a plan to achieve your financial goals. |
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| Pillars |
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Ethics: Every representative is licensed in the state they offer our products in. Secondly, we adhere to state continuing education guidelines which helps us to keep up with the latest industry standards on ethics, solicitation guidelines, and overall state governance. |
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Integrity: As insurance professionals we have a duty to be honest not only within the insurance industry, but with the public we serve. We put the clients insurance and financial needs ahead of the need for a sale. |
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Purpose: Our goal Is a simple one, and that is to help Individuals, Families and Business owners take the next step toward a more secure financial future. |
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Values: We will treat everyone with respect, honesty and integrity. That is at the core of who we are.
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| Financial Storm leaves many wondering – How can I protect what is left? |
The Facts:
Stocks, Bonds and Mutual funds have always been regarded as a means to building a retirement plan for your golden years. Today, the recent financial turmoil has left these same financial instruments shaken, and at the very least severely depleted.
We believe that a solution can be an Annuity (Fixed or Fixed Indexed). We have designed a select lineup of providers to choose from.
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| We provide access to these products and services: |
We offer plans offering your international operations valuable coverage tailored to the local needs and risk profile.
Multi carrier solutions approach, that allows us to offer a variety of insurance solutions help spread risk and control costs.
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