This FREE non-biased information and suitability consult by phone is designed to show you exactly how annuities work and how to judge for yourself the benefits and the pitfalls. ANNUITIES are not right for everyone. Don't let ANYONE tell you differently. Be Informed! * First Name: * Last Name: * Address: * Zip Code:(5-digit US zip code) * Email: * Phone:A valid telephone number is required. * Birth Date:Month010203040506070809101112Day01020304050607080910111213141516171819202122232425262728293031 Gender:MaleFemale Investment Money Available: * -- Select --under $10,000$10,000 to $19,999$20,000 to $49,999$50,000 to $74,999$75,000 to $99,999$100,000 + Household Income: * -- Select --0 - $35,000$35,001-50,000$50,001-$75,000$75,000-$100,000$100,000+ Comments:

Insurance Annuities

An annuity is a contract between you and an insurance company. Specifics include how deposits or payments are made and what benefits are derived. The exchange of money for specified benefits is agreed in advance and the contract will designate the responsibilities of each party.

Benefits to the annuity purchaser may include the following.
• Tax Deferred Growth. The interest earned is not taxed until it is touched.  Your funds grow tax deferred.

• Safety. Annuities are among the most guaranteed and safe investments available.

• Avoid Probate. Annuities transfer to a beneficiary without the need for probate.

• Income. At any time, annuities can change from a savings or accumulation vehicle to an income vehicle.  Annuities can provide an income that cannot be outlived.

• Death Benefit. Your beneficiary receives the full account value from the annuity immediately.

• Access. Unlike bank CDs, you have access to your funds during the interest earning time period.
 
There are two basic types of annuities: fixed and variable.  A fixed annuity will provide a minimum guaranteed rate of return (interest or yield) and guarantees of principle. A variable annuity provides some contractual guarantees but never on yield or guarantee of principle. 

A variable annuity allows you to choose your investment options from typically wide choice. The responsibility of performance is born by the annuity owner and not the insurance company.  This is in contrast with a fixed annuity where the responsibility is that of the insurance company.

A new type of fixed annuity is known as equity linked indexed annuity.  The yield on this product is tied to an outside source of reference such as the Standard and Poor’s Stock Index 500.  The original guarantee of your funds is intact but the yield is not guaranteed and is based on the performance of the index.

Variable annuities are securities regulated by FINRA while fixed annuities are not securities and are regulated by each specific state department of insurance.