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What is an Annuity?

An annuity is a long-term, tax-deferred investment designed for retirement. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty.

A fixed index annuity combines the security of a guaranteed interest rate with the potential to earn additional interest linked to the return of an index.

Range of Income Options

You choose when the time is right, and select the guaranteed income option that meets your retirement needs, either for life or for a set period of time.

Death Benefit Protection

The full value of your fixed index annuity including accumulated interest, less any withdrawals, will go to your beneficiaries if you die prior to receiving income payments.

Choosing a Fixed Index Annuity

We offer a variety of fixed index annuities from which to choose. These are the major differences among them:

• Index option choices can include the S&P 500 Index, or a proprietary Index or a combination
• Variety of choices as to how and when index-linked interest is measured and credited to your account
• Product variations in minimum interest rate and percentage of premium guarantees
• Early withdrawal charge schedules, time horizons, and free withdrawal provisions vary between products

"Rule # 1: Never lose the client's money. Rule # 2: Never forget
rule number 1."

— Warren Buffet

Annuities Can Help You
Grow Your Money Safely

An annuity could be a good choice if you want to:

• Increase your tax-deferred earnings, and are perhaps already taking advantage of all your currently available 401(k), IRA or other tax-deferred plans
• Receive a guaranteed income — either for life or over a set period of time
• Create a plan with flexible investment, income and legacy options

Contact us today to discuss your options!