The Financial Insider’s Annuity Guide: Understanding Annuities and Your Financial Portfolio

What is an annuity?

Annuities are one of the most overlooked and underutilized financial products available in the market.  They provide safety, security, and guarantees.  Annuities are the only financial products which have truly withstood the test of time.  You may be surprised to find that annuities date back to Roman times and have been in existence for over two thousand years.

Annuities have been used as a “Flight to Safety” during the European market crashes in the mid-1800’s, the Stock Market Crash of 1929, Black Monday crash in 1987, and the financial meltdown of 2008.  In the last year, over 100 billion dollars were transferred from stock market investments to annuities in a flight to safety.

Annuities offer a guaranteed minimum rate of return, have reserve requirements for each annuity contract issued, and are backed by the assets of the insurance company.

The different types of annuities

Annuities are separated into two categories:  immediate annuities and deferred annuities.  Immediate annuities are designed to provide income, where deferred annuities are designed to create growth.  Since deferred annuities provide tax deferral, it allows your funds to grow using the triple compounding effect for maximum growth potential.

There is an array of deferred annuity products available.  There are multi-year guarantee products, which offer a guaranteed rate over a specific period of time.  There are fixed indexed annuities, which have the option of using current interest rates declared annually or you can choose to have option crediting linked to market performance.  These are just to name a few of the deferred annuities available.

Whether your goal is to create an income or to maximize your return, you will find there is an annuity available to meet your financial goals and objectives.

The Retirement Factor

What is your retirement factor?  There are many factors that can have a dramatic impact on your retirement.   Will you be able to retire?  How much will you receive for your retirement income?  Will it be enough?  What if you run out of money?

What most individuals do not understand is there are so many options and alternatives available with annuities to meet almost any retirement goals and financial objectives.  Find out how you can recover from market losses, without any market risk, provide a guaranteed income you can never outlive, and never lose control of your money.

Let us show you your retirement factor.