Annuity Booklet – Helping build retirement income

Annuity policies provide valuable benefits

— by helping people build and protect retirement savings and retirement income

Why do people buy Annuities?

Grow money for retirement
Postpone income taxes on savings
Optional Permanent retirement income
Eliminate stock market risk
Increase long-term financial security
Leave a death benefit for family members

request your free booklet about Annuity programs

Each annuity has its own requirements. Many annuities must be opened with at least $20,000 (with no maximum).

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What money can I use to open an annuity?

You can transfer a portion of:

everyday savings from your local bank
maturing CD’s
401(k) or 403(b) or TSP from a prior job (or sometimes current job if you’re over age 59 ½)
IRA account (usually not affiliated with any employer)
inheritance or life insurance death benefit
real estate proceeds, lawsuit proceeds, lump-sum pension payout, etc.

Real-Life Benefits

Maggie is worried she will never receive Social Security.

She opens an annuity at age 40 with $28,000. That’s half of her old 401(k).

Maggie plans to activate a lifetime income benefit at age 65 and will receive at least $25,000 every year during retirement.

Anthony is age 69 and will retire next year. Today he transfers most of his IRA savings – $350,000 out of $575,000 – into an annuity.

At age 70 the policy will start paying Anthony $32,000 per year for the rest of his life.

When he passes away, Anthony’s children will receive whatever money remains in the account. This will be handled outside of probate.

Pamela received $100,000 from an insurance policy when her mom passed away. She buys an annuity to give herself more long-term financial security. Pamela is age 52.

Ten years later her account value has almost tripled – with NO stock market risk.

At age 68 Pamela decides it’s time to activate the guaranteed lifetime income. She starts receiving $34,700 per year.

Testimonials

The information you shared is incredibly straightforward. My wife and I cannot thank Jason enough for everything he has done to help our family. He's always there for us and it is such a relief.

We never would have tried to learn about these programs on our own. But you spelled everything out very clearly. The answers made a big difference. The benefits were so clear. I am very happy we bought an annuity.

My husband and I are now able to meet all of our day-to-day expenses PLUS have the financial security to vacation with our grandkids every year. These are special memories. And we cannot thank you enough.

Annuity policies are not a substitute for long-term care (LTC) insurance coverage.

Annuity policies are not covered by FDIC protection.

Specific annuity policies may offer riders which provide enhanced features. Some riders involve a charge or fee.

Financial products offered to the public can become redefined to meet evolving laws, needs, and trends. From time to time new specialty features are created. The information we distribute is updated periodically to cover widespread developments in the ever-changing industry. However there may always be new features or variations available which are not covered.

The examples shown within this website are not intended to reflect any specific financial institution or specific annuity product. All statements within this website are for demonstration purposes only and are not to be treated as recommendations to make any purchase. None of the statements in this website should be treated as legal advice or any kind of tax advice. If you need tax advice, please contact a licensed tax accountant or tax attorney in your area.

While the lifetime benefit values shown herein are based on actual recent annuity quotes (called “illustrations”), these values are for demonstration purposes only. The values are not official. No guarantee is being made, or should be implied, that the future withdrawal benefit paid to any particular policyholder will match the values shown herein.

Full printed illustrations are comprehensive in nature and clearly itemize many policy details. When applicable, they will include both Guaranteed lifetime benefit values (based on defined contract minimums or terms) as well as Hypothetical lifetime benefit values which are often based, in part, on potential future stock market activity. A full illustration is required to be shared during the annuity policy application process. Full illustrations should always be read carefully and then retained in the applicant’s permanent records.

All benefits are subject to the claims-paying ability of the carrier(s) involved.

PRIVACY POLICY: All personal information will be kept safe, protected, and confidential. No information will be sold to third-parties. Contact information submitted on this site will ONLY be used for the purposes described above and as authorized by the visitor’s active consent (“opt-in”). Contact information will never contribute to any kind of bulk mailing list.