Fixed Annuities May Be Appropriate If You...
|Are nearing retirement or are retired (age 55+)||You may be interested in adding to your retirement nest egg.|
|Are looking for guarantees||You may like the issuing insurance company’s guarantees of stability of principal and interest.|
|Are averse to risk||You may like the conservative features of a Fixed Annuity (stability of principal, interest guarantee, annuitization, etc.).|
|Are concerned about taxes||Fixed Annuity earnings are not taxed until withdrawal or surrender.|
|Want a fixed return on your money||Fixed Annuities carry a known interest rate, which is reset periodically (annually or other selected guarantee period).|
|Reinvest interest, dividends or capital gains||Income from your portfolio is not needed for your living expenses.|
|Want emergency access to your money||A 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 ones||Named beneficiaries on a fixed annuity contract receive death proceeds without the expense and delay of probate.|
|Want a regular source of income||Annuitization offers you lifetime income or other income choices.|
|Already have a Fixed Annuity||You are already comfortable with the Annuity product in general and may want another one.|
Is An Annuity Right For Me?
|Your Investment Goal||is an Annuity Right?|
|I need guaranteed income||Yes|
|I want to guarantee my principle and interest-earned against any loss||Yes|
|Leaving money to my heirs is important||Yes|
|I want to share in the gains of the stock market||Yes|
|I want tax deferred growth||Yes|
|I only want to make a short term investment||No|
|I have time to let my interest compound and grow||Yes|
|I need immediate monthly income from my investment||Yes|
|I want to avoid the risk of the stock market||Yes|
|I need immediate liquidity to more than 10% of my balance per year||No|
|I want to use this money before I'm 59.5 years old||No|
|I need an interest rate better than a bank saving account||Yes|
|I'm looking for a high risk for high return product||No|
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