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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.
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There are generally two different types of annuities:
Provides income payments that normally begin within a year after the premium is paid.
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.
Financial & Retirement planning by age
Retirement at any age
65+ Years old
With Technology and medical advancements we are living and working longer, there's no better time to get a plan in place.
50-65 Years old
With retirement looming, it's an important time to focus your efforts in planning for retirement and reaching your financial and retirement goals.
35-50 Years old
These can be the best years to setup a financial place that makes sense and brings peace of mind in knowing you've secured your future cashflow in retirement.
20-35 years old
With retirement years away, it might be the last thing you are thinking of, certain steps can be taken today to maximize your retirement and stability for tomorrow
How It Works ?
We have a simple 3 step process that helps walk you through the process, Step 1 is to Request a free no-pressure quote, you'll receive current rates of growth and get more information on the companies we believe can help you. Step 2 is to consult with a professional on your specific case, this can be done in person, by phone and/or Zoom video chat, usually takes 20-30 minutes to establish your needs and strategize your future goals. Step 3 is to receive the policy, this is where your agent will sit with you and explain your policy, expected growth and notify your beneficiaries of what to do if needed. This process is simple
Request a free quote and discover current rates and companies.
Consult with a professional to discover your ideal financial plan and start the process.
Your Agent will Deliver your policy, explain how it works and notify your beneficiaries.
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What Our Client Say
With 30+ years of experience in the industry, you can trust the annuities foundation for all of your financial and retirement needs. Wheter your'e planning for retirement soon or it's years away the annuities foundation can help with rates from multiple carriers. Here's what previous users had to say about the annuities foundation organization.
They helped me identify my needs and put me in contact with a professional local agent to set up a customized retirement strategy with tax benefits and lifetime income!
The Annuities foundation has been a huge help in educating me on my options, they even set me up with a local agent to strategize for my needs with my family's legacy in mind!
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