IMPORTANT NOTE: the main distinction of Fixed Annuities is that they are not investments, and therefore do not subject clients to the risk of loss of principal; hence, we generally refer to Fixed Annuities as “safe money placements” vs. “risk money placements.”

For a descriptive overview of FIXED ANNUITIES we encourage our readers and clientele to first read the following web page, in addition to what we directly offer herein on our website, before further considering or acquiring such a product:

“The Basics” at: Annuity Specs

Fixed Annuities – Important General Disclosures:

A Fixed Annuity is a long-term financial product designed largely for tax deferred asset accumulation and retirement needs.

Fixed Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees, and for optional contract riders and benefits.

Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Fixed Annuities typically carry surrender charges for several years that may be assessed against withdrawals.

Certain Fixed Annuity product features, offered by some Fixed Annuity companies, such as stepped-up death benefit, a bonus credit, and a guaranteed minimum income benefit, carry added fees, as well as limits and caps on how and when you are able to access such features.

If you are investing in a Fixed Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying a Fixed Annuity if it makes sense because of the Fixed Annuities other features, such as lifetime income payments and death benefit protection.

All guarantees of a Fixed Annuity are backed by the claims paying ability of the issuing insurer.

Not FDIC or NCUA/NCUSIF Insured. No Bank or Credit Union Guarantee.

~ ANNUITY Types Offered via ~

Fixed Annuities – GENERAL OVERVIEW

INCOME Annuities:

  • Single Premium IMMEDIATE Income Annuity “SPIA”
  • Single Premium IMMEDIATE Income Annuity, but with Health History Underwriting to Increase Income Payout


Additional Accumulation Type Annuities:

Declared Interest Rate Annuity
Flexible Premium Annuity
Single Premium Annuity

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