Safety of Principal

- Annuities are conservative to moderate, tax deferred wealth accumulation vehicles offered by life insurance companies.  Only life insurance companies have the regulatory reserve requirements and financial strength to provide all the guarantees of an annuity.

Accessibility

- Annuities have guaranteed, penalty-free withdrawal options that allow you to access a portion of your money without having to pay any company penalties or charges.

Taxation

- Interest credited to your annuities is not currently taxable unless withdrawn.
- Earn interest on your premium
- Earn interest on your interest
- Earn interest on your dollars that you would have paid in income taxes.

Outliving Your Income

- Only annuities can guarantee your monthly check to be the same each month.  Your money will never run out.

Locking In Interest Credits

- Fixed index annuities offer potentially higher benefits.  Once your interest is credited it can never be lost.

Probate Cost

- An annuity, with a properly designated beneficiary, may by-pass the probate process and avoid administration costs, fees, delays & publicity.

Concern

- How to protect your money from "wild" market swings or lately, stock market plunges.
- If you have money in non-interest bearing accounts, such as stocks or real estate that are not going anywhere...  Then your working capital is not working for you.

Solution

- You should consider putting some of your nest egg in safe annuities that guarantee your principal while still earning more than a CD.
- With an annuity, 100% of your money goes to work immediately!  And your investment is guaranteed.