Secure Your Future
With Reliable Annuities
Annuities are contracts that provide a steady stream of income for your retirement. Protect your lifestyle with guaranteed payments that last a lifetime.
Policy Highlights
Why choose an annuity for your retirement plan?
Guaranteed Income
Designed to provide a steady, predictable stream of income, often for the rest of your life. Protect yourself against the risk of outliving your savings.
Tax-Deferred Growth
Interest and investment gains grow tax-deferred. You don't pay taxes on earnings until you start making withdrawals, allowing your money to compound faster.
Death Benefit
Ensures that if you pass away before receiving all invested money, a named beneficiary receives a specific payment, often bypassing probate.
Fixed vs. Variable Annuities
Understanding the difference is key to choosing the right path for your financial freedom.
Fixed Annuity
A contract that provides a guaranteed, fixed interest rate on your contributions. It offers a lower-risk, predictable retirement savings product unaffected by market fluctuations.
Variable Annuity
Combines an insurance policy with an investment account. You can invest in subaccounts like mutual funds. Returns fluctuate based on market performance, offering higher growth potential but more risk.
Comparison At A Glance
| Feature | Fixed | Variable |
|---|---|---|
| Common Use | Safe Income | Growth |
| Return Type | Fixed Rate | Market Based |
| Predictability | Steady Growth | Fluctuates |
| Downside Risk | No | Yes |