Request a free, friendly, no-obligation annuity quote and suitability consultation from a local agent. * First Name: * Last Name: * Address: * Zip Code:(5-digit US zip code) * Email: * Phone: * Birth Date:Month010203040506070809101112Day01020304050607080910111213141516171819202122232425262728293031 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+ Marital Status: * -- Select --SingleMarriedDivorcedWidowed Which of the following do you own? Money Market Savings Account Certificate of Deposit Annuities Mutual Fund Stocks Bonds Life Insurance Among your retirement priorities, which of the following are most important to you? Growth Income Safety of Principal Yield Liquidity Estate Planning

Sleep Insurance: Annuities

An often used term for insurance products that have no risk is called “sleep insurance.”  The inference is that these products are both safe and boring.  In this time of fiscal havoc, sleep insurance may have its greatest appeal.  These products are known as annuities.  Annuities are savings accounts at an insurance company with added features.  The added features are contractually guaranteed and can provide a wide range of benefits to the owner of the annuity.

These benefits can include guaranteed income, guaranteed interest rates, guaranteed probate avoidance, guaranteed principal and guaranteed tax deferral.

And one other guarantee: no fees, expenses, charges or costs. The interest the annuity earns is 100% applied to the account.

When considering risk tolerance an annuity can help fill the void by providing not only safety but added options which are contractually guaranteed.

Annuities are free from risk, safe and secure.  People who use annuities in their retirement planning also can benefit from lack of stress and worry which of course should translate to “sleep insurance.”