Annuities

Overview & Policy Types

Annuity Overview

Whether your client is looking for a safe and secure retirement vehicle like a fixed annuity with an interest rate that is guaranteed for a specified period, or they want to leverage gains in the market while hedging against loss, there is a retirement vehicle for each client's specific needs.

Today there are annuity products with riders that can give clients lifetime income and even elder care provisions. Annuities are popular retirement vehicles because earnings grow tax-deferred in accordance with IRS requirements until withdrawn, at which time they are taxed as ordinary income.

 

Annuity Advantages

Annuities are tax-deferred vehicles and unlike other retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit.

An Annuity grows tax-deferred.

 

When you eventually make withdrawals, the amount you contributed to the annuity is not taxed, but your earnings are taxed ordinary income.

There is a 10% federal tax penalty if you withdraw money before age 59½ for reasons other than death or disability.

 
 
 

Fixed Annuity Calculator

Immediate Annuity Calculator

Output stunning, professional reports using our financial Calculators  

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with private individuals.

Insurance policies and/or associated riders and features may not be available in all states.

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