Annuity Innovators
Capital Appreciation • Capital Preservation
We Love Federal Employees!
Participate In The Upside Of The Stock Market Without Any Of The Downside Stock Market Risk
There are several different types of annuities available today, with virtually thousands of iterations within them to chose from. Below is a brief summary of the three most popular annuities.
Immediate Annuities
Positive: After you deposit your one-time premium, you will receive a guaranteed lifetime income.
Negative: Once the money is deposited, it is no longer your money.
Variable Annuities
Positive: The upside potential is good as it acts in direct correlation to the stock market performance.
Negative: Significant fees plus significant potential for loss of Principal. Also there is Claw-back of Principal exposure.
Fixed Indexed Annuities
Positive:
Through Managed Indexes you will be able to participate in the upside of the stock market without any loss of Principal due to a declining stock market, nor will your Principal be exposed to prior gain Claw-backs due to market conditions.
Negative:
Fixed Indexed Annuities have Surrender Periods(usually 10 years) and if you withdraw money in a year beyond the 5%-10% per year allowable withdrawal amount,you will be assessed a “Surrender Charge”.
Fixed Indexed Annuities are not designed for “Day Traders” and “High Rollers”; they can provide a reasonable rate of return without any downside market risk.
If you would like to speak with one of our Approved Advisors so you can better understand the inner workings of Fixed Indexed Annuities, please Click Here.
If you would like us to email you the Consumer Guide for our Annuity of the Month please Click Here.