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What is an Annuity?
Annuity types and terms
An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.
People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.
Would you like to learn more?
There are generally two different types of annuities:
IMMEDIATE
Provides income payments that normally begin within a year after the premium is paid.
DEFERRED
Provide income payments that begin later, often after many years. Deferred annuities are designed for long-term savings purposes. Available to purchase using a single lump sum, or with flexible premiums over time. When it comes time to take income from your deferred annuity, you will have many options available to meet your needs.
Fixed-Rate Annuity- offers a fixed rate that is guaranteed and set by the company, which also offers Guaranteed minimums.
Indexed Annuity-Indexed annuities do not directly participate in any stock or equity investments. Most indexed annuities permit owners to participate in only a stated percentage of an increase in an index and also impose a “cap rate” that represents the maximum annual account value percentage increase allowed to contract owners. An investment cannot be made directly into an index. Interest is based on changes in a major index such as the S&P 500.2
Over the long-term, an indexed annuity may offer greater earnings than a fixed annuity but may have years, when the index is down, when no interest will be credited. Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.
Variable Annuity- Has a high potential for upside due to the securities market, Choice of sub-accounts as well as fixed income options. Has the ability to transfer money between different types of investments without current tax liability, no guarantees which may result in a loss of principal.
It is important to meet with a Financial Professional to find the best options and strategies for you.
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