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:

Guaranteed Annuity

An annuity is a contract sold by insurance companies. The attractiveness of an annuity may be the guarantees the contract provides.  These guarantees are both in minimum guaranteed yield, guarantee of funds on deposit and guarantees of future settlement options.

The big three guarantees are contractual guaranteed by the insurance company who issues the contract and many of these guarantees may also be underwritten by the state of residence of the annuity purchaser.

Guaranteed Minimum Yield:  The actual amount of guaranteed yield can vary by state to state, but a reasonable interest rate to consider is 3%.  Many states allow for lesser and greater rates of returns to be the underlying guarantee.

Guarantee of Deposits: All annuities will provide this guarantee. You are fully protected against loss of your original deposit.  This guarantee makes annuities very attractive because concerns over the loss of your funds are removed from the planning equation.

Guarantee of Settlement Options: Your right to remove your annuity funds in a pre-set formula as income is fully contractually guaranteed.  These settlement options can include you, your spouse and your heirs.  These options can often also include a guaranteed rate of yield in the calculation of the income benefit.  Most contracts have dozens of available options for settlement.

Underlying Guarantee: The best guarantee for annuities is the underlying guarantee sponsored by the state of residence of the annuity owner.  These guarantees know as “State Guarantee Fund” sets aside funds to assure the consumer the insurance company is solvent and that their funds are protected.  The amount of guarantees offered to the annuity owner will vary from state to state but often they are between $100,000 to $500,000 per annuity contract.  Contact your state department of insurance for specifics of state guarantees.