ANNUITIES
"Always plan ahead. It wasn't raining when Noah built the ark." Richard Cushing
The Best Annuities Provide Guaranteed Lifetime Income
Insurance companies have been around hundreds of years. In the last ten years, they have begun developing more innovative approaches to their product designs—a good example being annuities. The best annuities can provide retirement income similar to a pension, and principal guarantees* based on the claims-paying ability of the insurance carrier providing the annuity. They can offer growth tied to the stock market, or based on stock market performance.
As an independent financial consultant, CalChoice Financial is uniquely positioned to help you do the due diligence research in finding the best annuities for your needs. There are literally hundreds of annuities on the market, and we have access to some of the most exclusive annuities available.
Choosing the right type of annuity can help create income that will be there no matter how long you live. And the best annuities can provide other advantages, too–like a death benefit, spousal protection, long-term care or disability protection, either as part of the annuity itself, or structured as riders. Let’s talk about the best annuities for your situation: 866.936.4884
BENEFITS OF ANNUITIES
- Principal Protection
- Death Benefit Options
- One or More Index Allocation Options
- Offers Can Be Tax-Deferred Retirement Income
- Structured to Give You Income for the Rest of Your Life
- Optional Benefits that May Protect Your Retirement Assets and Income
Knowing Your Annuities
INCOME ANNUITIES
Income Annuities
Annuitized immediately, although the underlying income units
may be in either fixed or variable investments. As such, the income
payments may fluctuate over time. An income annuity is typically
purchased with a lump sum payment, often by people who are at or
near retirement.
FIXED INDEX ANNUITIES
Fixed Index Annuities
Fixed index annuities provide the guarantees of fixed annuities, combined with the opportunity to earn interest based on changes in an external market index. But because you’re not actually participating in the market, the money in your annuity (your “principal”) is not at risk.
A fixed index annuity may be a good choice if you want the opportunity for accumulation, but don’t want to risk losing money in the market.
FIXED DEFERRED ANNUITIES
Fixed Deferred Annuities
The insurance industry’s version of a savings account. It helps
you earn a modest rate of interest safely and allows you to
postpone the payment of income taxes on your earnings for as
long as you want.
VARIABLE ANNUITIES
Variable Annuities
As a tax-deferred retirement strategy, variable annuities allow
you to choose from a selection of investments which then pay
you variable income based on the success of those investments.
*Principal guarantees are backed by the claims-paying financial strength of the insurance company underwriting the policy, and usually have a surrender period which must be met.
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