Income Annuities

Indexed Annuities

Fixed Annuities

Variable Annuties

Annuity Video and Books

Fixed Annuities

What is a Fixed Annuity
Fixed annuities are essentially CD-like investments issued by insurance companies. Like CDs, they pay guaranteed rates of interest, in many cases higher than bank CDs.

Fixed annuities can be deferred or immediate. The deferred variety accumulate regular rates of interest and the immediate kind make fixed payments - determined by your age and size of your annuity - during retirement.

The convenience and predictability of a set payout makes a fixed annuity a popular option for retirees who want a known income stream to supplement their other retirement income.

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Josh Melberg Explains a Fixed Annuity

DON’T BUY A FIXED ANNUITY UNTIL
YOU WATCH THIS VIDEO REPORT!

Fixed annuities can help provide you slow, steady growth. 
They are not flashy, but they do offer steady increases.

ARE FIXED ANNUITIES "SAFE"?
Evidence and HARD FACTS About the Security of the Premiums Paid into Annuities

FIXED ANNUITY PROS

• You make a one-time commitment with an insurance company in exchange for the company holding onto your money for a certain amount of time.
• You receive a fixed interest rate on your money for the period you want (typically these are held 3-10 years).
• Good for someone looking for a conservative, secure financial vehicle.

FIXED ANNUITY CONS

• They offer among the lowest interest rates.
• While they are a secure financial vehicle, the growth is slow.
• Not the best vehicle for income.

The only asset available on the market today that can offer all this...

1. Secure principal protection
   
2. Is not tied to market volatility
   
3. Pays guaranteed* income for life
   
4. Income that can be up to 100% tax free§
   
5. Offers a hedge against inflation
   
6. Can increase with market upside without any negative effect from a market downturn
   
7. Spousal continuation**
   
8. Can triple to pay for qualifying healthcare costs**
   
9. Liquidity - access your money anytime***
   
10. Typically cost less than 1% in fees, fully transparent
    

...is an annuity (excluding the "variable" annuity).

The following video is from the National Association for Fixed Annuities (NAFA)

Fixed Annuities

Are Fixed Annuities Safe?

FREE Educational Annuity Books that you can read about different topics, written by Josh Mellberg.