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Fixed/Indexed Annuities
Is an Annuity right for you?
- Do you pay too much income tax?
- Do you want money you can't out live?
- Do you want total liquidity in the future?
If you answered YES, then an annuity may be right for your money.
Fixed Annuities
- Investments with an insurance company that offer a fixed rate of return
- Interest rate may be locked in or vary annually with a minimum guarantee
- Grow is tax deferred
- Flexible income options
- May "Annuitize" for an income stream that you cannot outlive
- Liquidity options, often 10% per year free of withdrawal charges
Equity Indexed Annuities
- Same features as a fixed annuity PLUS
- Options that link your return to an index of the stock market with NO Downside Risk !
- Many EIA's offer bonuses for investment
- Various crediting methods including Point to Point, Monthly Averaging with caps, Annual Reset, as well as a fixed interest option.
- Reallocate investments at each anniversary
Insurance and Investment products marketed through a bank or other financial institution are; NOT a DEPOSIT, NOT FDIC Insured, NOT Insured by any Federal Government Agency, Not Guaranteed by any Bank or Savings Association.
