Annuity Pros - Blog #Asset Protection

Annuity Facts

Thu, 15 Jan 2026 15:38:37 -0700

Annuity Facts

Annuity Facts | Safety, Tax-Deferral, Income and Growth Guarantees.. and more

Annuities provide a host of benefits such as:

Tax-Deferred growth
100% Principal Protection
Growth Guarantees
Income Guarantees
Avoiding Probate
Protection from creditors and lawsuits
Diversification
Flexibility
Can be used with Trusts, 401ks, IRAs, Joint Accounts, 1035 Exchanges, and more..
Can be used to structure income for life for beneficiaries (instead of gifting lumpsums)

Age 50 or older | Hedge Risks On Your Terms

Think of annuities as an umbrella for a rainy day or a reserve parachute. They are insurance for when things do not go to plan. They provide both growth AND income guarantees, and if set up right can give you a pay rise every year.

Get In Touch | Set Up Your Annuities Today

Annuity Pros are experts in this field. Set a call today and let us guide you through the process of setting up your annuities correctly in under 30 minutes. Waiting is not a good idea because you are missing out on maximizing the guarantees.

Did You Know?

Did you know that you can maximize Annuity product guarantees for up to 10 years before electing income for life OR receiving full return of principal?

It's a good idea to do this NOW, well in advance of needing guarantees. Avoid future market risk and lock in your gains by rolling over your investment and retirement accounts to an Annuity. Set a call with us today to protect your investments.

NOW is the time to set up your Annuity

Tax-Deferred Growth
Bonuses of 25% for an income benefit value
Guarantees of 8% per annum for an income benefit value
100% Principal protection
Flexibility to turn on income when YOU choose
Avoid future stock market risk
Low fees (1% per annum individual account | 1.3% joint account)
15 Diversified portfolio index choices
Any account type (Individual, Joint, 401K rollover, IRA, ROTH IRA, SEP IRA, SIMPLE IRA, 403B rollover, Trust, 1035 exchange from life insurance cash value or a previous annuity, non-qualified account, bonus, real estate proceeds, business sale proceeds, law suit settlement, + + )

When thoughtfully incorporated, annuities can enhance portfolio resilience, provide predictable income, and support long-term financial confidence. Rather than viewing annuities as an alternative to investing, they are best understood as a complementary tool—one that can help build a more balanced and durable financial future.

If you’re considering an annuity, it’s crucial to work with Annuity Pros to evaluate your goals, time horizon, and the specifics of each product type. The right annuity, used the right way, can make all the difference in your financial future.

Individuals and businesses who would like to connect with Annuity Pros can get in touch instantly via our enquiry form.

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Our clientele consists of Family Offices, RIAs (Registered Investment Advisors), Broker Dealers, Advisors, Attorneys, CPAs and Accounting Firms, Claims Adjusters, Plaintiffs, Tax Preparers, Trust Companies, Consulting Firms, Banks, Insurance Brokers, Financial Advisors, Financial Consultants, Wealth Management firms, Mortgage Brokers, Human Resources Departments, Real Estate Agents, other business professionals and private individuals.

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Why diversify with annuities?

Mon, 12 Jan 2026 11:45:44 -0700

Why diversify with annuities?

Why Diversifying With Annuities Can Strengthen a Financial Plan

Diversification is one of the most widely accepted principles in personal finance. By spreading assets across different investment types, individuals can reduce risk, improve stability, and better prepare for uncertain market conditions. While stocks, bonds, and cash are common diversification tools, annuities are often overlooked despite the unique role they can play—especially for long-term income planning and retirement security.

When used appropriately, annuities can complement traditional investments and help address risks that markets alone cannot solve.

Understanding Annuities in a Diversified Portfolio

An annuity is a financial product, typically issued by an insurance company, designed to provide income either immediately or in the future. Unlike traditional investments that focus primarily on growth, annuities are often structured to address longevity risk—the risk of outliving one’s savings.

There are several types of annuities, including fixed, indexed, and variable annuities, each offering different combinations of growth potential, income guarantees, and market exposure. This variety allows annuities to serve as a diversification tool rather than a replacement for market-based assets.

Reducing Market Volatility Risk

One of the primary benefits of annuities is their ability to reduce exposure to market volatility. Traditional portfolios heavily weighted toward equities can experience significant fluctuations, particularly during economic downturns. While diversification across asset classes can help, it does not eliminate market risk entirely.

Certain annuities, such as fixed and indexed annuities, offer protection from market losses while still providing growth opportunities. This can help smooth overall portfolio performance and provide peace of mind during periods of market instability.

Creating Predictable Income Streams

A major challenge in retirement planning is turning accumulated savings into reliable income. Market-based withdrawals can be unpredictable, especially during down markets, which can accelerate portfolio depletion.

Annuities can provide a predictable income stream that is not directly tied to market performance. Lifetime income options ensure that income continues regardless of how long the annuitant lives, helping protect against longevity risk. This predictability can make it easier to budget, plan expenses, and maintain a consistent lifestyle in retirement.

Complementing, Not Replacing, Growth Assets

Diversifying with annuities does not mean abandoning growth-oriented investments. Instead, annuities can be used to cover essential expenses, allowing the remainder of a portfolio to remain invested for growth.

This “income floor” approach can reduce the pressure to sell investments during market downturns, giving growth assets more time to recover. In this way, annuities can actually support a more disciplined long-term investment strategy.

Tax-Deferred Growth Advantages

Many annuities offer tax-deferred growth, meaning earnings are not taxed until withdrawn. For individuals who have already maximized contributions to tax-advantaged accounts such as IRAs or 401(k)s, annuities can provide an additional vehicle for tax-efficient accumulation.

While withdrawals are taxed as ordinary income, tax deferral can enhance long-term compounding, particularly for those in higher tax brackets during their working years.

Addressing Behavioral Risk

Investor behavior can be as damaging as market risk. Emotional decisions—such as panic selling during market downturns—can significantly undermine long-term results.

By allocating a portion of assets to annuities with guarantees, investors may feel more confident staying invested elsewhere. Knowing that a baseline of income is secure can reduce stress and help prevent impulsive financial decisions during volatile periods.

Risk Management Beyond Traditional Diversification

Traditional diversification focuses on spreading assets across markets and asset classes. Annuities diversify in a different way—by transferring certain risks to an insurance company. These risks include market downturns, longevity, and, in some cases, income timing.

This form of risk transfer can be especially valuable in retirement, when the ability to recover from losses is limited by time.

Important Considerations

While annuities offer meaningful benefits, they are not suitable for everyone or every situation. Fees, surrender periods, liquidity limitations, and product complexity must be carefully evaluated. The value of an annuity depends on proper product selection, alignment with financial goals, and integration into an overall financial plan.

Working with a knowledgeable financial professional can help determine whether and how annuities fit into a diversified strategy.

Conclusion

Diversification is about more than chasing returns—it is about managing risk, ensuring stability, and creating a plan that can withstand uncertainty. Annuities offer features that traditional investments cannot, particularly when it comes to income guarantees and longevity protection.

Individuals and businesses who would like to connect with Annuity Pros can get in touch instantly via our enquiry form.

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How to use annuities with trusts

Thu, 02 Oct 2025 07:44:21 -0700

How to use annuities with trusts

Annuities and trusts can be combined in some very strategic ways, but the “best” setup depends on your goals (e.g., tax deferral, probate avoidance, legacy planning, or asset protection). Here’s a structured overview:

Key Ways to Use Annuities with Trusts

1. Naming the Trust as the Owner and Beneficiary

How it works: The trust owns the annuity and is also the beneficiary at death.
Why use it: Provides control over how annuity proceeds are distributed (especially useful if beneficiaries are minors, disabled, or financially irresponsible). You can also set up multiple annuity products for each beneficiary or heir, providing even more control.
Caution: This may reduce certain tax deferral benefits, since trusts do not get the same stretch payout options as individuals. Usually, the annuity must be distributed within 5 years or over the trust’s oldest beneficiary’s life expectancy.

2. Naming the Trust as Beneficiary Only

How it works: The individual owns the annuity, but the trust is listed as the beneficiary at death.
Why use it: The annuity grows tax-deferred during the owner’s lifetime, and after death the proceeds flow into the trust for controlled distribution.
Best use cases: When you want tax deferral during life, but still need the trust to manage/control funds for heirs.

3. Special Needs Trust (SNT) + Annuity

How it works: The annuity funds are paid into a Special Needs Trust.
Why use it: Helps provide for a disabled beneficiary without disqualifying them from government benefits like Medicaid or SSI.

4. Charitable Remainder Trust (CRT) + Annuity

How it works: The CRT owns the annuity, providing income to you (or another person) for life or a set period, with the remainder going to charity.
Why use it: Creates a charitable deduction, provides lifetime income, and removes assets from your taxable estate.

5. Irrevocable Life Insurance Trust (ILIT) Funded with an Annuity

How it works: An annuity pays income into an ILIT, which is then used to purchase life insurance.
Why use it: Multiplies the value of annuity payments for heirs, keeps life insurance proceeds estate-tax free.

Important Considerations

Tax rules: Trusts don’t get the same favorable tax treatment as individuals on annuities. Income can be taxed more quickly if the trust is the owner/beneficiary.
RMDs (Required Minimum Distributions): If the annuity is inside an IRA and a trust is named as beneficiary, payout options may be limited.
State laws: Some states treat annuities inside trusts differently (especially regarding creditor protection).
Control vs. efficiency: Trusts give you control over how and when beneficiaries receive money but can complicate taxation and reduce flexibility.

Best practice (in many cases):

Own the annuity in your name for lifetime tax deferral.
Name the trust as beneficiary (not owner) if you want controlled distributions after death.
Use a carefully drafted trust (conduit vs accumulation) to preserve as much stretch potential as possible.

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Why annuities are among the best financial products for long-term security

Mon, 02 Jun 2025 08:03:23 -0700

Why annuities are among the best financial products for long-term security

When it comes to financial planning, especially for retirement, investors often seek products that combine safety, growth, and income. While every financial product has its pros and cons, annuities stand out as one of the most compelling options—especially for those looking to secure a stable and predictable financial future.

In this article, we’ll explore the key reasons why annuities are considered by many to be among the best financial products, particularly in the context of retirement planning and income longevity.

1. Guaranteed Lifetime Income

Perhaps the greatest advantage of annuities is their ability to provide guaranteed income for life. Unlike other investment vehicles, certain types of annuities (such as immediate or deferred income annuities) can offer a fixed stream of payments that last as long as you live—eliminating the fear of outliving your money.

For retirees without a pension, this creates a private, self-funded pension plan, ensuring peace of mind regardless of market performance or economic downturns.

2. Protection Against Market Volatility

Market fluctuations are a reality of investing, but for individuals nearing or in retirement, significant losses can be devastating. Many annuities, particularly fixed and fixed-indexed annuities, protect your principal from market losses. You may not gain as much in a bullish market, but you also won’t lose money when markets turn bearish.

This capital preservation feature is especially attractive during periods of economic uncertainty or for conservative investors who prioritize stability over aggressive growth.

3. Tax-Deferred Growth

Annuities offer tax-deferred growth, meaning you won’t pay taxes on earnings until you begin receiving payouts. This allows your investment to compound more efficiently over time, especially when held for the long term. This is particularly beneficial for high-income earners who want to delay taxes until retirement, when their income (and tax bracket) may be lower.

4. Customization and Flexibility

Annuities aren’t one-size-fits-all. They can be tailored to meet individual financial goals. You can choose:

Immediate or deferred payouts
Fixed, variable, or indexed returns
Single or joint life coverage
Inflation riders to preserve purchasing power
Beneficiary options for legacy planning

This flexibility allows individuals to create a retirement income plan aligned with their unique circumstances and risk tolerance.

5. Longevity Risk Management

With rising life expectancies, managing longevity risk—outliving your savings—has become a top concern. Annuities are one of the few financial tools specifically designed to address this. The longer you live, the more valuable an annuity becomes. Products like deferred income annuities or longevity annuities offer income starting later in life (e.g., at age 80 or 85), providing a safety net against extreme longevity.

6. Estate Planning Benefits

Some annuities offer death benefits that allow heirs to receive a portion of the contract value, potentially bypassing probate. Certain annuities even allow for a guaranteed minimum payout to beneficiaries, regardless of market performance. This can be a valuable estate planning tool when used strategically.

7. Peace of Mind and Behavioral Benefits

Many people are simply not comfortable managing a complex portfolio in retirement. The psychological benefit of knowing that a portion of your income is guaranteed can lead to better decision-making and reduce the temptation to react emotionally to market swings.

Annuities can serve as a mental safety net, enabling investors to take more risk with other parts of their portfolio or simply to sleep better at night.

Conclusion: Are Annuities Right for You?

Annuities aren’t for everyone. Fees can be high, contracts may be complex, and liquidity can be limited. But when chosen wisely and as part of a well-diversified retirement strategy, annuities can be powerful tools for income stability, longevity protection, and financial peace of mind.

They’re not just insurance products—they’re instruments of security in an uncertain financial world. That’s why, for many, annuities stand among the best financial products available today.

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Protecting your legacy

Sat, 01 Feb 2025 05:49:00 -0700

Protecting your legacy

Many parents hope to leave a parting gift for their children after they’ve gone. But how can you be sure they will use their inheritance the way you intended?

Protecting children from mismanaging their inheritance is one of the top three pressing concerns of people seeking estate planning, according to a recent survey.

These simple strategies from can help address your concerns and ensure that the funds you leave behind will be used wisely.

Q: What are the primary reasons someone would want to delay or restructure an inheritance?

A: Some people are concerned that their heirs will not make good financial decisions if the inheritance is collected all at once. Others want the gratification of knowing they are contributing to a certain event in their children’s or grandchildren’s lives (for example, putting money toward a college education or milestone birthday). And in many cases, it is because they have a child or grandchild with special needs.

Q: What solutions do you typically recommend?

A: There is never a set solution. Each client's situation is different. But I would discuss establishing trusts and looping in an estate-planning attorney to make sure the assets are dispersed the way the grantor intends them to be.

Q: Suppose I want to specify exactly how my inheritance should be used or distributed, or protect it from ending up in the wrong hands. How would I do that?

A: There are a few ways. Some cases require an attorney or financial advisor. Depending on the value and complexity of the estate, a lot of times a trust will be needed. Sometimes solutions can come from the financial product alone, like an annuity. This is possible because the financial product is beneficiary friendly, meaning the client can assign how and to whom the assets will pass upon their death. The options are so detailed that even if the grantor outlives any of the beneficiaries the grantor themselves can choose how the deceased beneficiary’s share will be decided—whether it stays in the passed beneficiary’s bloodline, or gets shared among the still-living original beneficiaries.

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Estate planning 101

Sun, 01 Dec 2024 05:41:00 -0700

Estate planning 101

Having a smart estate plan is essential for everyone—regardless of assets, age, or income. Here's what you need to know to build yours.

You might think estate planning is something you can put off until your later years, or that it's just for the super wealthy, or both. But setting up a clear path for what happens to your property and your family after your passing can make life for your heirs much easier in a time of stress and grief. That's where an estate plan comes in.

"It's your chance to really take control of how your property is going to pass upon your death," says Kelley Bentley, a Houston-area attorney with Roberts Markel Weinberg Butler Hailey PC.

Here's what you need as part of a solid estate plan, no matter your assets, age, or income.

Will

This basic legal document will set up who will get what—without having the state step in and make those decisions, which is often a headache for your heirs and can cost them more money in the long run.

A will is especially important if you have minor children and are a single parent, says Bentley. If you don't do any planning for your children, they have to go into a guardianship, which can be traumatic, while the legal system sorts out who your children will be living with in the future. Plus, a judge may decide on a guardian you'd never have chosen yourself. By having a will in place that states who your children's guardians will be in case something happens to you, you can ensure that they will be raised by whomever you see fit.

Trust

A trust can do a couple of important things. First, it means your estate will not go through probate, a process that can delay assets being passed on to your heirs. This is especially helpful if you hold properties in more than one state, says Bentley, as your estate would be subject to separate probates in each state.

A trust can also be set up for special needs or minor children. It will determine how the assets they inherit will be used to support them, who will make those decisions, and when the children can take over that fund themselves, if ever.

Powers of Attorney

If something happens to you and you can't make decisions for yourself, who will be in charge? Who will make sure that your bills are paid and that medical decisions are made with your best interests and wishes in mind? Bentley says that your estate should determine who holds your medical and financial powers of attorney. Keep in mind that those roles may be held by two different people.

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Rethinking risk tolerance

Sat, 01 Jun 2024 04:17:00 -0700

Rethinking Risk Tolerance

Many of us have some level of investment in the market — with many working-age adults choosing 401(k)s and IRAs to help save for the future. But when we experience market volatility, it may lead you to rethink how much risk you’re willing to take with your nest egg, especially if you’re in or nearing retirement.

Thinking differently about risk

It’s one thing to answer hypotheticals about saving and losing money when you’re planning for the future. But watching your 401(k) balance drop in market downturns sheds light on the real‑world implications. If experiencing market volatility has diminished your appetite for risk, now might be the right time to reassess your retirement savings plan.

What might your risk tolerance look like now? Take this quick quiz to help you gain a better understanding of what your risk tolerance and your expectations may be for the retirement products and solutions you choose.

Reducing your exposure to volatile markets and locking in some income guarantees may help you feel more confident about staying on track for the long term. Two strategies worth considering include:

Allocating more of your savings to fixed‑income options
Putting a portion of your portfolio in annuities

Finding comfort across the spectrum

Annuities are designed to help you achieve your retirement savings goals and provide future income. By helping insulate you from major financial risks like stock market losses or outliving your money, they could be part of a solution that helps you stay in your financial comfort zone. In this chart, you’ll see how different kinds of annuities are mapped along a risk spectrum. The left side of the spectrum is the most conservative. Anyone with the highest tolerance for risk may feel comfortable at the far right.

Diving deeper into annuity options

While all annuities are designed to provide income for retirement, there are different kinds to align with your accumulation goals and how much risk you’re comfortable taking.

Immediate Annuity
Carrying the lowest risk, immediate annuities convert your premium payment to a guaranteed income stream for life, or for a specific period.
Fixed Annuity
Fixed annuities offer a fixed interest rate that’s guaranteed for a certain time period. The guarantee may appeal to you if you’re willing to sacrifice the potential for higher returns if the markets rise.
Fixed Indexed Annuity
In the middle of the spectrum, fixed indexed annuities have become increasingly popular with people who have a moderate appetite for risk. You can earn interest credits based in part on the upward movement of a stock market index while enjoying the protection of a zero percent floor. If the net change in the index over a given crediting period is negative, you would earn zero interest credits for that period, but never less than zero.
Registered Index-Linked Annuity
These products are designed for people with a higher risk tolerance. Registered index-linked annuities offer the potential for index credits tied to index performance while providing a measure of protection from market loss.
Variable Annuity
This type carries the highest level of risk because your money is invested directly in the market. Variable annuities offer the highest growth potential of any of the products on the annuity spectrum, but they also leave you fully exposed to market loss.

Economic repercussions have led many people to rethink their appetite for risk and whether their financial strategy still meets their goals. This may be the time to talk with a financial professional about ways to help keep your retirement savings better protected, especially in the event of future downturns.

Want the most from your retirement? Get smarter with strategies from Annuity Pros. Your source for tips, tools and financial solutions that can help you live your best life.

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Annuities 101 - An introduction to annuities and how they can help you achieve whats next

Wed, 01 May 2024 04:47:00 -0700

Annuities 101 - An introduction to annuities

What is an annuity?

Annuities provide insurance against the risk of outliving your money after you stop working. You get the potential to grow your savings and create guaranteed income for life so you can retire your way.

While they seem to function like an investment (that is, you put your money in and accept the risk of whether it increases or decreases), many are actually insurance contracts. In general, if you follow the rules of the contract, you receive certain guarantees in return.

What can an annuity do for you?

Tax-deferred growth

Annuities help you increase savings because you won't pay taxes on growth until you withdraw money.

Growth potential

An annuity has the potential to grow your money while also helping manage risk of loss.

Manage risk

Annuities provide a level of protection to help manage market risk.

When you might need an annuity

If you're in one or more of these situations, an Athene annuity might be exactly what you need.

You're saving for retirement
If you're already contributing the maximum to other retirement plans, like an IRA or 401(k), an annuity is an attractive retirement planning option that grows tax-deferred.

You won't need the money soon
If you don't anticipate needing money from savings prior to turning 59 ½, then an annuity may be a good option for you.

Or.... You're worried you might outlive your savings

Annuities can provide guaranteed income for the rest of your life, whether you live to be 100 or even 120. It could happen

You want to leave a legacy
With an annuity, you can provide your loved ones with a death benefit in the event of your death.

Different types of annuities

Annuities come in different types to meet different needs. One of the ways they vary is by the amount of potential risk and return.

Immediate annuities have less risk and lower return because they simply convert an amount of money into a guaranteed stream of income.

The annuities with increasing risk and return are generally used to accumulate money over time. Because they don’t provide immediate income, they’re known as deferred annuities.

Fixed Indexed Annuities (FIAs)

Pursue growth potential without sacrificing security.

With fixed indexed annuities, the interest rate on a portion of your premium is tied, in part, to a published stock market index, giving you the opportunity to benefit from market trends without owning stocks. Your principal is protected from loss due to market downturns. Athene fixed indexed annuities may also include or offer optional riders that can be purchased or automatically attached to the annuity for a charge. Rider features vary by product, and can offer benefits like lifetime income, increased liquidity, or a death benefit option.

Registered Index-Linked Annuities (RILAs)

Pursue growth opportunities while enjoying a level of protection from market risk.

Registered index-linked annuities provide exposure to a published stock market index along with a level of protection from market loss. While this kind of annuity tracks the movement of an index, it does not directly invest in any stock or equity vehicle. Because you assume some of the risk of loss from market downturns, a registered index-linked annuity may allow for greater growth potential than other Athene annuities.

Fixed Annuities

Protect and grow your savings. Plan with confidence.

Fixed annuities provide you with tax-deferred growth at a fixed rate of interest set by Athene for a period of time specified in the annuity contract. They also offer the opportunity to produce a guaranteed stream of retirement income you cannot outlive.

Immediate Annuities

Income you can count on.

Immediate annuities make retirement planning easier because they’re predictable. In exchange for a lump sum of money, an immediate annuity pays a guaranteed amount for a specified time period, including as long as you or your spouse live.

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Why are annuities valuable to you and your family?

Fri, 01 Mar 2024 06:00:00 -0700

Why are annuities valuable to you and your family?

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

A long-term tax-deferred investment
Able to provide protection for income, legacy and spousal needs
Issued by an insurance company
Purchased through a licensed financial professional
Able to be tailored to your unique retirement needs to help protect what matters to you

Lifetime income

An annuity can provide you income for as long as you live through annuitization* at no extra cost, or via an optional benefit rider available for an additional cost.

Legacy planning

An annuity can provide you the opportunity to create a living legacy by preserving funds for future generations in a tax-efficient manner.

Spousal opportunities

An annuity can be used to protect and preserve assets for a surviving spouse through death benefits and/or living benefits to sustain their ongoing lifestyle.

Annuitization

Annuitization is a one-time process of taking your annuity account and turning it into regular payments that will last for the rest of your life. The annuitized payments continue, regardless of how long you live, even if the total payments exceed the original account value.

An annuity is a contract you purchase from an insurance company, designed for long-term investing. The values will fluctuate based on investment option performance. Annuities have restrictions and limitations, and fees and charges will vary based on the product. You may be charged a penalty if you take your money out early. Withdrawals may be subject to ordinary income taxes, and if you are under age 59½, you may pay a 10% federal tax penalty. Please remember that investing involves risk, including possible loss of principal. All guarantees and protections are subject to the claims-paying ability of the issuing insurance company.

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Why annuities are good investments

Thu, 01 Feb 2024 06:00:01 -0700

Why annuities are good investments

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

As a nation, we're not ready to retire.1 Collectively, we are short by $4.13 trillion.2

Help meet your goals with the right product

Annuity Pros can tell you about the different kinds of annuities, including:

Variable | Fixed indexed | Immediate | Fixed

When you discuss your retirement goals with us, we can suggest an annuity — or a combination of annuities — that’s right for your needs.

Annuity Pros is aware of different annuity riders or features that can help create smart, tailored and more complete coverage to suit your goals.

Imagine the possibilities for growth

MAXIMIZE THE ADVANTAGES TODAY

Tax-Deferred Growth: Over time, annuities can accumulate with the advantage of tax-deferred growth. It lets you:

Delay paying taxes

Principal, interest and capital gains may accumulate tax free until you withdraw and take receipt of them; the benefit is that, when you withdraw during retirement, you're likely to be in a lower tax bracket.

Build value

By delaying taxes until withdrawal, your account can retain more value; by deferring taxes, you can use the power of compound interest to boost the base of your account with each passing year; over time, it can add up to more retirement wealth.

Similar to a 401(k), an annuity may have tax advantages

As a result, the government typically limits your access to withdrawals until after you're 59 1/2. Any earlier, and there's a 10% early withdrawal penalty.

Growth Potential

Some annuity options offer growth potential. Here's how:

You gain buying power
Some investments are beyond reach because minimum investment amounts are too high; annuities can help because you're in a larger group of investors.
You can skip fees or taxes
You may be able to exchange between investments without fees or tax consequences.
You can manage your investments yourself or use a money manager — it's your choice.

PROVIDE FOR THE FUTURE

Income, legacy and spousal opportunities:

Annuities are uniquely designed to be able to provide you with lifetime income options, legacy planning and spousal opportunities.

Lifetime income

Achieved through the use of annuitization at no cost or via a lifetime income benefit rider available for an additional cost.

Legacy

Most annuities have a return of premium standard death benefit (your beneficiary gets back what you put in at a minimum); however, you have the opportunity to purchase enhanced death benefit riders that could increase the amount left to loved ones.

Spousal opportunities

You're able to cover the life of your spouse on your annuity, either on a death benefit or a lifetime income benefit; please note that some carriers may charge a fee for these services.

PROTECT AND PLAN

Plan for what - and who - matters most!

ANNUITIES CAN ALSO PROVIDE DEATH BENEFITS TO A LOVED ONE

You can pass your assets to beneficiaries while avoiding the costly probate process. Married couples can also choose spousal protection.

Spousal protection offers security for both of you. With spousal protection, your Mr. or Mrs. is protected in the event that you pass away first. Your spouse then has the flexibility to choose:

Continuation - Continue the contract at the death benefit amount, or
Full payout - Take a lump-sum distribution

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