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Annuities have existed for over two hundred years. Annuities allow you to accumulate tax-deferred funds for retirement and then, if you desire, receive a guaranteed income (this process is called Annuitization) payable for life or for a specified period of time...generally a term of five or ten years.
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Annuities are offered by Insurance companies and sold through licensed agents. State insurance commissions scrutinize Insurance companies to ensure they have reserve funds, commonly referred to as State Legal Reserve Pools, in place to protect investors before granting insurance companies licenses. If an insurance company goes out of business, other insurance companies licensed in state must assume bankrupt insurers obligations and liabilities. Note that this protection protects fixed-rate annuity holders only, with some protection afforded to variable annuity owners.
Annuities are very similar to CDs offered by banks. Just like banks, insurance companies offer different rates and returns on annuity investments.
Advantages of Annuities
All annuities have three primary advantages: Tax Deferral, Avoidance of Probate and a Guaranteed Income (optional) for a fixed period of time or income for life. Following are some reasons that you should consider investing in fixed and immediate annuities:
- You need to safely create wealth for your heirs
- You need tax-deferred growth
- You need your principal and interest guaranteed
- You need your heirs to avoid probate upon your death
- You need an increased death benefit You need stock-market linked gains without the downside risk
- You have money that is designed for inheritance
- You do not need more than 10% liquidity annually
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Licensed to sell annuities in:
Ohio License #104233, Florida License #D072714, California License #0C94325,
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin
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