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Annuities Information

What can an annuity do for you?

A tax-deferred annuity is usually looked as a long-term investment option that can give you a stable, predictable and guaranteed income in retirement. Income options can be tailored to your specific time table and needs. When talking about an income stream from an annuity, it is very common to hear, “that this income can be set up so that the payments are guaranteed, for as long as you live”. Many people arrange multiple income streams to supplement their retirement.  More Information

Is an annuity only purchased for income reasons?

While planning for future income is certainly an option, it’s not the only option offered by these insurance industry financial instruments. There are also some, who just let their annuity grow in a tax deferred environment and later on, wish to pass it along to their listed beneficiaries. When this is done correctly, an annuity can be a valuable estate planning tool as well. Please remember, a correctly named beneficiary can avoid probate proceedings, when done correctly.

Does one size fit all?

An annuity can come in many different shapes and sizes; this is where a licensed professional can really help you. There are some annuities that are referred to as “Short Term” annuities, 1, 3 and 5 year terms. When these shorter term annuities mature, many of them become fully liquid. Many people roll this matured account over into another term, to continue their predictable growth and continued tax deferred status. Many people use these shorter term contracts as alternatives to the typical “Certificate of Deposit”, issued by a bank.

Then there are much longer annuities as well, some may have 7, 10, 15 maybe 20 year terms. Understanding the different language and terms of your annuity becomes very important with these longer insurance contract agreements.  More Information

How do they grow in value?

Annuities can have multiple ways their value may increase over time during the “accumulation phase”. The growth could be calculated by a fixed interest rate determined for a fixed period of time. Also, there are annuities where the interest rate is announced on each contract anniversary, never to go below a guaranteed minimum, stated in the annuity contract. More currently, insurance companies also offer an option where your interest rate is calculated based on their internal calculations of different equity market indexes that the insurance company monitors. This particular method is commonly known as a Fixed Indexed Annuity or “FIA”.
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What is an Income Rider?

One of the most recent interest calculation methods that have been offered by insurance companies today is called an “Income Rider”. These riders add a new dimension and benefit structure to the income story available through an annuity. Combining some of the best benefits from multiple annuity contract strategies, the life insurance industry has developed, the newest of income providing instruments. This annuity is often referred to as a “Hybrid Annuity” by the licensed agents who can offer them. These annuity contracts usually consist of some type of accumulation method that is predictable for a given period of time in order to provide a reliable, consistent and guaranteed income for your future. Here is where you will hear the term LIFETIME INCOME mentioned, for sure.   


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Offering solutions to safeguard against the risks of inflation and outliving your income.

Since the disappearance of the traditional “COMPANY PENSION”, many retirees are finding themselves today with a pile of money in their 401K or IRA and very few options that can guarantee them a reliable income paying structure, like the pensions of days gone by. (An income paying structure that is for life.) …… The right annuity perhaps, can provide that structure, that many people are longing for in today’s world.

Contact Us to review what options best suit your future needs.

Make sure you continue your annuity education by watching these annuity videos and testimonials

Providing retirement and financial planning in Charlotte, Hickory, Concord, Greensboro, Rock Hill, Salisbury, Gastonia, Spartanburg, Greenville and Asheville, North Carolina.               

This material is for informational purposes only and is not affiliated with the U.S. government or any governmental agency. It is not intended to provide any tax, legal or investment advice or provide the basis for any financial decisions. Please consult a qualified professional before making decisions about your financial situation.

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