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Annuities and Insurance

Annuities and Insurance

 

Annuities can be a valuable addition to your retirement plan because they offer the opportunity for tax-deferred growth. Annuities also offer various features that can help protect your assets, and you can contribute as much as you want, free of IRS contribution limits.

Annuities, with their promise of “an income you can’t outlive,” have always been popular as a way to help fund a retirement.  It is important to note, however, that any such income guarantees are a function of the financial well-being and the claims-paying ability of the issuing insurance company. Another advantage of annuities is the fact that the earnings credited to an annuity each year are not currently taxed as income. This tax-deferral feature, along with the power of compounding, make annuities a very appealing part of a well-diversified portfolio in order to work toward achieving your financial goals.

• Variable Annuities
• Fixed Annuities
• Life Insurance

Before you buy any type of annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional questions about whether or not an annuity is right for you.

In addition, before buying any annuity you should find out about the particular annuity you are considering. Request information (such as a prospectus)  from the insurance company or from your financial professional, and read it carefully. You need to understand important information regarding the annuity contract, including fees and charges, investment options, death benefits, and annuity payout options. You should compare the benefits and costs of the annuity versus other available types of  annuities and to other types of investments such as mutual funds.  It is important to understand that the investment return and principal value of a variable annuity will fluctuate based on  market performance. The principal value of a variable annuity is not guaranteed.

Investing in securities involves substantial risks and the potential for losses. Not all products are suitable for all investors. In addition, past returns do not guarantee future performance. Investors should obtain all needed information, disclosures and product knowledge prior to investing.

Please contact us at (800) 433-0003 or our Contact Page to find a representative who can help you learn and understand these products.

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