Annuity Solutions
Ensure financial security with annuities, providing a guaranteed income for life and peace of mind.
Securing Your Future with Annuities
An annuity is a contract where you pay a one-time payment or monthly premiums in exchange for regular income payments, starting immediately or in the future. Annuities serve as a reliable source of income and offer various benefits, such as guaranteed lifetime income, tax-deferred growth, flexible withdrawals, and legacy protection for beneficiaries. Annuities are essential for maintaining financial security, preventing asset depletion, and complementing other wealth plans.1
Fixed Annuities
Variable Annuities
Indexed Annuities
Fixed Annuities
Fixed annuities provide a guaranteed rate of return on your investment, offering a steady stream of income over a predetermined period. Fixed annuities protect your principal investment, providing a reliable financial foundation for wealth planning.1
- Guaranteed Rate of Return — Ensure a stable and predictable return on your investment, providing peace of mind and financial security.
- Principal Protection — Shield your initial investment from market fluctuations, offering reassurance that your savings will remain intact regardless of economic conditions.
- Steady Stream of Income — Fixed annuities offer regular payments, serving as a dependable source of income to cover living expenses and maintain your lifestyle.
- Tax-Deferred Growth— Grow your tax-deferred earnings until withdrawal, maximizing your investment potential and preserving more of your funds.
- Lifetime Income Guarantee — Maintain your standard of living throughout with reliable income.
- Flexible Payout Options — Choose how you receive your income payments, whether in regular installments or as a lump sum, tailored to your specific financial needs and goals.
- Estate Planning Benefits — Simplified transfer of wealth to beneficiaries, bypassing probate and providing a smooth inheritance process, thereby preserving your legacy for your loved ones.
- Protection Against Inflation — Some fixed annuities offer inflation protection options, allowing your income payments to keep pace with rising living costs and safeguarding your purchasing power over time.
Maximizing Retirement Income with Variable Annuities
Variable annuities offer the potential for investment growth through market performance, with payout amounts fluctuating based on the performance of underlying investment options.1
- Potential for Higher Returns — Achieve more investment growth than fixed annuities, potentially resulting in more significant income streams over time.
- Diversification of Investments — Allocate your funds among various investment options, allowing for diversification across different asset classes and potentially reducing overall investment risk.
- Tailored Investment Strategy — Flexibility in choosing investment options that match your risk tolerance, goals, and preferences, empowering you to customize your wealth strategy.
- Tax-Deferred Growth — Allow your earnings to grow tax-deferred until withdrawal, enabling your investments to compound rapidly without immediate tax consequences.
- Death Benefit Protection — Ensure your beneficiaries receive a specified minimum amount upon passing, regardless of market performance, and provide added financial security for your loved ones.
- Optional Living Benefits — Many variable annuities offer optional riders, such as guaranteed minimum withdrawal benefits or income for life riders, providing additional protection and income, regardless of market conditions.
- Estate Planning Flexibility — Allow for the seamless transfer of assets to beneficiaries, potentially bypassing probate and minimizing estate taxes, thereby preserving your legacy for future generations.
- Access to Professional Management — Get access to professional investment management through subaccounts managed by experienced portfolio managers, offering expertise in navigating financial markets and potentially enhancing investment returns.
Secure and Grow Your Wealth with Indexed Annuities
Indexed annuities can amplify your investment potential by offering growth tied to a specific market index while safeguarding your principal. With this powerful combination, you can seize opportunities for enhanced returns with assurances that your investment is shielded from market downturns, providing you with the confidence and security you need to navigate your wealth journey with peace of mind.1
- Potential for Market-Linked Growth — Participate in market gains that could potentially provide higher returns than traditional fixed annuities while maintaining principal protection.
- Downside Protection — Indexed annuities typically come with a minimum guaranteed interest rate, shielding your investment from market downturns and ensuring you won’t lose money due to market volatility.
- Tax-Deferred Growth — Allow your earnings to grow tax-deferred until withdrawal, enabling your investment to compound rapidly without immediate tax consequences.
- Flexible Payout Options — Have flexibility in receiving income payments, allowing you to choose between fixed payments, variable payments linked to market performance, or a combination of both, tailored to your financial needs and goals.
- Indexed Crediting Strategies — Access indexing strategies, such as point-to-point, annual reset, or monthly sum, allowing you to select the strategy that best aligns with your investment objectives and market outlook.
- Protection Against Inflation — Some indexed annuities offer inflation protection features, ensuring that your income payments can keep pace with rising living costs and preserving your purchasing power.
- Estate Planning Benefits — Facilitate a seamless transfer of assets to beneficiaries, potentially bypassing probate and minimizing estate taxes, preserving your legacy for future generations.
- Optional Living Benefits — Many indexed annuities offer optional riders, such as guaranteed minimum withdrawal benefits or income for life riders, providing additional protection and income certainty.
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Annuities are Not a deposit, Not guaranteed by the Bank, May Lose Value.