Annuities

Fixed Deferred Annuity

Replace market uncertainty with the predictability of guaranteed interest rates and sleep easy at night knowing exactly what your money is earning.

1. Tax Deferred Growth – Allow your initial investment to grow tax-free, then only pay taxes on income you actually receive.
2. Fixed Rate of Return – Have peace of mind and eliminate market uncertainty knowing exactly what your money is earning.
3. Access Your Money – Choose from several options for partial withdrawals or conversions to income payments, subject to taxes and surrender charges.
4. Optional Benefit Rider – Choose the optional Lifetime Income Rider to guarantee you never outlive your income. Receive guaranteed income for life even when your annuity value is zero.

Single Premium Immediate Annuity

From insurance proceeds to retirement payouts, a single premium immediate annuity can turn a lump sum of money into a predictable stream of income.

1. Keep More Of What You Make – Spreading your income over a number of years may make your tax liability more manageable
2. Predictability – Structure your payments by choosing the amount you want to receive and for how long
3. Access Your Funds – If you unexpectedly need cash, there are options that may help suit your needs (subject to taxes and surrender charges)

Index Deferred Annuity

Protect your principal, while still allowing your money to participate in whatever upside the market may bring.

• Lower Your Risk
  Your Investment performance will be tied to an index, giving it upside potential, while avoiding losses during negative economic years.
• Tax Deferred Growth
  Avoid taxes eating into your earnings and only pay them when you actually receive the money.
• Early Access Options
  Choose from several options for partial withdrawals or conversions to income payments, subject to taxes and surrender charges.
• Optional Benefit Rider
  The optional Lifetime Income Rider provides an income stream that is guaranteed for life, even if your annuity value falls to zero.

*The performance of the index cannot be predicted over any give period of time. Past history is no guarantee of future performance.