Own an Annuity for what it Will Do, Not Might Do
Determining if an annuity is the right product and if so, finding the optimal annuity type for you, is the most important part of achieving your financial goals.
FIA
Fixed Index Annuities (FIAs) are a fixed annuity design which has a fixed interest rate and additionally several allocations for potentially higher interest yield, for example S&P 500 Annual point to point with a "cap"; FIA's have a guaranteed "floor", the policy value will never go below original premium or last renewal value, except for withdrawal amounts if taken.
DIA
Also an Immediate Single Premium Annuity (SPIA) are an insurance company contract which a client gives a large sum of money in exchange for the insurance company's promise to make "deferred" or "immediate" payments over a period of time, policies can be designed to last through the entire life of the client, and have additional benefits for beneficiaries.
VA
A Variable Annuity is an insurance company policy designed to produce regular income for annuity clients. The money is invested in mutual funds and proprietary subaccounts. It puts a greater weight on income than growth. There are fees for the administration of a VA. The return can increase or decrease based on performance of the underlying investments. VA's offer the possibility of higher returns but also the risk that the account will fall in value. The annuity owner selects the annuity's portfolio of investments.
Income Rider
An Income Rider is an optional feature of many annuities that retirees can use to provide themselves a guaranteed minimum income for as long as they live. Income riders add cost and complexity to the policy but give retirees a reliable source of income insulated from market fluctuations. They’re suited for people who don’t need immediate income.
How To Buy An Annuity
Get Your Personal Quote
During this step you receive quotes & make the decision on your terms and time frame.
Talk To Our Team
During this step you set the appointment with our team and complete the application.
We Manage All The Paperwork
During this step we organize all the paperwork and submit your application to the carrier.
Receive The Final Contract
During this step your money is applied and we get the final contract with the carrier. We send you the policy.
Ready To Secure Your Financial Future?
Connect with a financial expert from our team and we will handle everything for you... from start to finish.
