Guaranteed/Indexed Annuities

Guaranteed Annuities offer two important features of a sound retirement savings plan-security and predictability-with the ability of tax deferral. Your investment earns competitive tax-deferred interest guaranteed by the issuing insurance company. By annuitizing, you may enjoy a guaranteed lifetime income. There may be a 10% tax penalty for withdrawals before age 59 ½. Penalties may apply for withdrawals during the surrender period. Guarantees are based on the claims paying ability of the insurance company; therefore, we at SafeMoney Marketing only represent Top Rated Carriers!.

 

Traditional-Fixed Annuities

Conservative investors who are more interested in protecting the principal of their investment and receiving a competitive fixed rate of return may be more comfortable with the safety offered by a traditional fixed-dollar annuity. With a deferred fixed annuity, you lock in an interest rate for an initial period, normally one to three years. When the period ends, the insurance company designates a new rate of return for the succeeding period. Most deferred fixed annuities have a minimum guaranteed rate that will be paid regardless of economic conditions.

   

Fixed Indexed Annuities (FIA)

FIAs offer a minimum guaranteed interest rate combined with an interest rate linked to a market index. FIAs also have the potential to earn returns better than traditional fixed annuities when the stock market is rising, however FIAs are not stock market investments. The FIA only participates in the upside of the market, then the gains are locked in.



By using the Fixed and FIA in your M.A.P. Program you can:

1. Increase your income...96% tax free
2. Reduce your taxes...both income and social security
3. Preserve your principal...never lose another dime

 

FIAs are long-term investments. FIAs are not stock market investments. If you surrender your FIA early, you may have to pay a surrender charge. As with any withdrawals from tax-deferred annuities before 591/2, a 10% tax penalty will reduce or eliminate any return.

All guarantees are based upon the claims paying ability of the sponsoring insurance companies.

 

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