Fixed Annuities can help address one of your most fundamental concerns which is outliving your savings.

They offer you guaranteed lifetime income payments, which may give you freedom to fulfill your retirement dreams and help with your financial peace of mind.

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Fixed Index Annuities

An annuity is a partnership (contract) between you and a trusted insurance company that prepares you for retirement. You have the option to put money into a secure account that accrues interest from the S&P 500 to get you ready for retirement. Fixed annuities are guaranteed to make sure you never run out of money by offering a "zero-floor" plan which allows for your investment to grow with marginal risk. People typically purchase annuities to provide or supplement retirement income they receive from social security, pension benefits, investments and other income sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime or be withdrawn in one lump sum.

The Two General Types of Annuities

Income Annuities

Income annuities can provide you with a guaranteed, reliable income stream that lasts a lifetime. If you are approaching retirement or currently retired, income annuities can help supplement your income through a series of payments throughout your lifetime or for a specific period of time.

Deferred Annuities

Deferred annuities help accumulate assets for retirement. This product provides clients with a fixed rate of return and tax-deferred growth. With deferred annuities, your investment will never decline in value.