Annuities

Fixed Annuities provide guaranteed, predictable payments at a fixed interest rate. They offer stability and are ideal for those seeking a low-risk investment.

These annuities provide a fixed income stream for a set period or for life, allowing you to plan your retirement with certainty.

Fixed Indexed Annuities combine the stability of fixed annuities with the potential for higher returns based on the performance of a market index, such as the S&P 500.

These annuities offer a middle ground between fixed and variable annuities, providing the opportunity for market-linked growth while offering protection against market losses.

A Longevity Annuity is a type of deferred annuity where you invest a lump sum upfront, but the income payments begin much later, typically at age 80 or 85.

This type of annuity is designed to protect against the risk of outliving your savings by providing a guaranteed income later in life when you may no longer be able to work.

Variable Annuities allow you to invest in a range of underlying investment options, such as stocks, bonds, and mutual funds.

The income you receive depends on the performance of these investments. While the potential for growth is higher, it comes with increased risk.

They often include options for a guaranteed minimum income, even if the market underperforms.

Deferred Annuities accumulate interest over a specified period before you begin receiving income. This type of annuity is typically used for long-term retirement planning, as it allows your investment to grow and compound before payouts begin.

You can choose to start receiving income at any future date.

Immediate Annuities begin providing income payments immediately after your initial investment, often within one month.

These annuities are ideal if you need to start receiving income right away, such as in the case of retirement or another financial need.