Understand the Benefits

A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income.

Let’s take a closer look at the three key benefits of fixed index annuities: 
tax deferral, indexed interest potential, and protection.

Tax Deferral
Under current federal income tax law, any interest earned in your fixed index annuity contract is tax-deferred. You don’t have to pay ordinary income taxes on any taxable portion until you begin receiving money from your contract. Withdrawals are taxed as ordinary income and, if taken prior to age 59½, a 10% federal additional tax may apply.
Indexed Interest Potential
Fixed index annuities provide an opportunity for potential interest growth based on changes in one or more indexes. Because of this potential indexed interest, FIAs provide a tailored potential for accumulation. And since the interest your contract earns is tax-deferred, it may accumulate assets faster. In addition to potential indexed interest, FIAs can offer you an option to receive fixed interest.
Protection
Fixed index annuities offer you a level of protection you may find reassuring. That protection can benefit you in three separate ways:

• Accumulation:  Your principal and credited interest are protected.
• Guaranteed Income:  You can be protected from the possibility of outliving your assets.
• Legacy:  If you pass away before annuity payments begin, a fixed index annuity may help you provide for loved ones.

With this greater responsibility comes a need for possible financial solutions that can help provide a level of protection for retirement savings. Whether your long-term objective is to build a source of guaranteed lifetime income, save for a specific retirement goal, or leave a legacy for your loved ones, we are here to help you.
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We offer financial vehicles that are effective in providing potential for accumulation, growth and safety of principal in challenging times, and that can help you feel confident about your retirement savings strategies.

Step One
Time to Rethink Retirement

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Step Two
Understand the Basics

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Step Three
​Who's who in an Annuity

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Step Four
Understand the Benefits

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Step Five
Tax Advantages

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Step Six
Index Interest Potential

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Step Seven
Protection Benefits