Learn About Annuities For Safe Growth

Annuities for Safe Growth

Fixed Annuities = Fixed annuities, sometimes called Multi Year Guaranteed Annuities (MYGA) are very straight forward, relatively short-term investments.  These usually range from 3 years to 7 years and offer a fixed rate of return, normally credited annually, inside an annuity wrapper, which means it grows tax deferred.  The shorter the term, say 3 years, the smaller the rate. The longer the term, say 7 years, the higher the fixed rate. When compared to CDs, Fixed annuities stack up favorably and offer higher yields with tax deferred growth.  These annuities are often the right fit for someone looking for extremely safe, predictable and relatively short term investments that will yield higher than a banks CD.

Fixed Indexed Annuities (FIA) = The insurance companies investments inside an FIA are similar to a fixed annuity, however, rather than guaranteeing a fixed yield, they guarantee zero yield, and invest that difference in call options.  These call options follow an index, like the S&P 500. If the index goes up, the options pay off and the owner is credited with a yield, sometimes a sizable yield. If the index goes down, the owner loses nothing.  These products were invented in the late 1990s are relatively new, but they are the fastest growing annuity in the industry because of their high upside, low to no fees and no risk of negative market crediting.


Lifetime Income

Only annuities can offer guaranteed lifetime income.  Find out more about the different options for lifetime income from annuities and see what best suits your needs.


Safe Growth

More and more, consumers are turning to annuities for guaranteed safe growth without any risk to their principal.  These products are evolving more and more each year to satisfy the safe growth need during times of market uncertainty.


Create A Legacy

Giving to our loved ones when we die is a top priority for many consumers. Whether it’s our spouses, or our family and beyond, there are annuities that are designed for just that purpose.


Long-Term Care

Annuities are not long term care insurance, but many Americans find themselves in a place where they can’t afford or qualify for long term care insurance. There are annuities designed to be alternatives to long term care insurance that can provide much needed funds to pay for end of life care.


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