Annuities
Fixed Indexed Annuities
Fixed Indexed Annuities (FIAs) are a type of financial product that falls under the broader category of annuities. Annuities are financial contracts typically offered by insurance companies as a way to provide a steady stream of income to individuals during their retirement years. Fixed indexed annuities combine features of both fixed annuities and variable annuities, offering a unique balance between safety and potential growth.
Base Benefit Plan
- Principal Protection
- Market Index-Linked Returns
- Interest Crediting Methods
- Cap Rates and Participation Rates
- Guaranteed Minimum Interest Rate
- Tax- Deferred Growth
- Optional Riders
Income Annuities
An income annuity is a contract between an individual and an insurance company. The annuitant invests a lump sum of money in exchange for a series of regular payments, which can be structured to last for the annuitant’s lifetime, a fixed period, or a combination of both. The primary purpose of an income annuity is to provide a reliable income stream, especially during retirement, when individuals are no longer earning a regular salary.
Types
- Immediate Annuity
- Deferred Annuity
- Fixed Annuity
- Inflation-Indexed Annuity
- Lifetime Annuity
- Joint & Survivor Annuity
- Period Certain Annuity
Benefits
- Steady Income
- Longevity Protection
- Predictability
- Customization
- Tax Deferral
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WITH THE HELP OF ONE OF OUR INDEPENDENT MEDICARE AGENTS
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