Fixed Index Annuities
Gain the Opportunity for Growth Without Risking Losing Money in the MarketFixed Index Annuities Can Offer:
Principal protection from market downturns.
Tax-deferred growth potential.
Index allocation options
A choice of crediting methods.
Income options.
Death benefit options.
How Do Fixed Index Annuities Work?
1. Purchase your Annuity.
You give the insurance company money in one or more payments. The insurance company then invests it on behalf of the contract.
3. Tax Deferred Growth
You defer paying taxes on your contract’s interest until you receive money from the contract. Tax-deferred interest means the money in your annuity can grow faster.
2. Accumulation Phase
During the accunulation phase, your annuity will earn a fixed rate of interest that is guaranteed by the insurance compnay or an interest rate based on the growth of an external index.
4. Distribution Phase
After a period of time specified by your annuity, you may then receive the amount allowed by your annuity in a lump sum, over a set period of time, or as income for the rest of your life.
Annuities are complex products that include many features and factors. It is important to understand the balance beween all features available with any annuity. You should consult with a financial professional to determine if an annuity is appropriate for your needs.
Contact Us!
Phone
(916) 660-2214
Fax
(916) 660-2214