Blog

Annuities are financial products that guarantee a steady stream of retirement income. They offer tax-deferred growth potential while you’re saving for retirement, and dependable income after you retire..

Inflation has reached a level Americans have not experienced in decades. The rising cost of goods can chip away at retirement funds, and most people expect inflation to increase.

An annuity is a financial product that can be customized to give you lifetime guarantees.

Annuities offer a wide range of benefits and features which can make them a good option for helping you reach your future financial goals.

There are several types of annuity products available to choose from. Whether you’re looking for income options, legacy planning tools or spousal protection, your advisor can tailor a plan to meet your specific goals.

Credit Rating Agencies and Credit Rating Tables used across the USA with insurance companies and financial institutions.

Fees depend on the annuity product chosen. The following are charges or fees that can be applied to an annuity — along with an explanation of what you get in return.

It might seem like estate plans are just for people with actual “estates,” but most people should have one. That’s because, in financial and legal terms, an estate simply consists of your possessions.

Unless you’re an actuary, you probably have only a vague idea of how much money you should have saved for future expenses and retirement, and whether or not you are on the right track.

Variable universal life insurance is a type of permanent protection that offers flexibility and the potential for growth by investing some or all of your cash value in sub-accounts that are tied to the stock market — similar to how mutual funds are structured.

Unlike term life insurance that protects you for only a specific duration, whole life insurance offers protection throughout your lifetime.

In addition to lifetime protection, universal life insurance offers a unique combination of benefits to help meet your needs.

The advantages of annuities for generating income (compared to bonds, dividend paying stocks, equities, ETFs, ETNS, mutual funds, REITs and owning rental properties)

Term life insurance is typically the most affordable option to protect your family in the event that something happens to you.

Customizing the annuity contract to meet your individual needs Riders are optional enhancements that are available on your annuity contract at an additional cost.

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time.

An immediate annuity can provide you with predictable income during retirement that you can use for essential living expenses.

Fixed annuities give you growth paired with control. Fixed annuities protect your money from market ups and downs with guaranteed rates

A fixed indexed annuity offers growth potential based on the performance of an index or indices.

A registered index-linked annuity is designed to help limit exposure to downside risk while offering growth potential based on the performance of an index or indexes.