Annuities


We offer outstanding flexible premium indexed annuities for retirement plans: 403(b), Roth 403(b), 457(b), Roth 457(b), 401(a), IRAs, Roth IRAs. This tax-deferred annuity will accept multiple premium payments while the annuity is in an accumulation period. These annuities may accept salary reduction payments, bank draft or pre-authorized check plan payments, transfers, rollovers, and single-sum direct payments. 

We also offers single premium fixed indexed annuities with the Guaranteed Lifetime Income Riders from many of the leading carriers.

An Indexed Annuity is usually a fixed (i.e., not a variable) annuity with alternate methods of determining and crediting interest. While traditional fixed annuities typically declare interest in advance for premium payments based on the performance of the company’s underlying investments for those premiums, an IA’s interest is determined, at least in part, by the performance of a specified index of marketplace performance (frequently the S&P 500 Index® or Russell 2000®) over a stated period.

Unlike traditional fixed annuities, the policyowner may receive zero interest for a single period on a specific premium payment if the index performs poorly. However, with most IA designs, the premiums are protected and guaranteed to grow over time **. This is a feature unavailable with any form of direct participation in the marketplace, such as through a mutual fund or a variable annuity. Moreover, in better market conditions, the owner of an IA may experience interest credits that outperform traditional fixed annuities. Because it is an annuity rather than a mutual fund, the IA offers important insurance features including tax deferral, a death benefit that may be paid outside probate, and annuitization. * “Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product. The Russell 2000® Index is a trademark of the Russell Investment Group and has been licensed for use by the issuing company. This product is not sponsored, endorsed, sold or promoted by the Russell Investment Group and Russell Investment Group makes no representation regarding the advisability of purchasing the Product. ** Guarantees are based on the claims-paying ability of the issuing company.