Best Guaranteed Annuity Rates

Is a Fixed Indexed Annuity Right for You?

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Learn how an annuity can provide guaranteed income for life.
Are nearing retirement or are retired (age 55+)You may be interested in adding to your retirement nest egg.
Are looking for guaranteesYou may like the issuing insurance company’s guarantees of stability of principal and interest.
Are averse to riskYou may like the conservative features of a Fixed Annuity (stability of principal, interest guarantee, annuitization, etc.).
Are concerned about taxesFixed Annuity earnings are not taxed until withdrawal or surrender.
Want a fixed return on your moneyFixed Annuities carry a known interest rate, which is reset periodically (annually or other selected guarantee period).
Reinvest interest, dividends or capital gainsIncome from your portfolio is not needed for your living expenses.
Want emergency access to your moneyA certain percentage of the premium or account balance of a Fixed Annuity is typically available free from surrender charges.*
Wish to minimize estate administration headaches for your loved onesNamed beneficiaries on a fixed annuity contract receive death proceeds without the expense and delay of probate.
Want a regular source of incomeAnnuitization offers you lifetime income or other income choices.
Already have a Fixed AnnuityYou are already comfortable with the Annuity product in general and may want another one.

* Withdrawals of earnings are taxed as ordinary income and, if taken prior to age 591⁄2, may be subject to an additional 10% federal tax penalty. Most annuities have surrender charges in the early years of the contract. Other insurance company costs are taken into account when setting the fixed annuity’s interest rate.

Is An Annuity Right For Me?

Your Investment GoalIs an Annuity Right?
I need guaranteed incomeYes
I want to guarantee my principle and interest-earned against any lossYes
Leaving money to my heirs is importantYes
I want to share in the gains of the stock marketYes
I want tax deferred growthYes
I only want to make a short term investmentNo
I have time to let my interest compound and growYes
I need immediate monthly income from my investmentYes
I want to avoid the risk of the stock marketYes
I need immediate liquidity to more than 10% of my balance per yearNo
I want to use this money before I'm 59.5 years oldNo
I need an interest rate better than a bank saving accountYes
I'm looking for a high risk for high return productNo
Author: Adrian D.
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