You've worked hard. You deserve the comfort and peace of mind knowing you'll be cared for during the rest of your life—even if you live to be 100. That's where income annuities come in. Every annuity is designed to make you guaranteed lifetime payments. Our annuity packages are all offered by highly-rated insurance companies with S&P ratings of A or better.

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Annuities Are Income for Life -
Retirement 101
You've worked hard. You deserve the comfort and peace of mind knowing you'll be cared for during the
rest of your life—even if you live to be 100. That's where income annuities come in. Every annuity is
designed to make you guaranteed lifetime payments. Our annuity packages are all offered by highly-
rated insurance companies with S&P ratings of A or better.
We only sell products that deliver a return of investment to you or your beneficiaries. Even if you
purchased an annuity today and passed tomorrow, your loved ones will receive every penny of the
money you invested.
The process of purchasing an annuity is to sign a contract under which you will make one or more
payments, and in return a life insurance company will agree to pay to you a series of payments. The
term “annuity” relates to a contract between you and a life insurance company, but a charity or a trust
can take the place of the insurance company.
Types of Annuities
Fixed
This annuity contract earns a stated interest rate (fixed interest rate) offered by the insurance company.
Alternatively, the interest rate may be calculated in a manner specified in the annuity contract. No
matter how the interest rate is calculated, the investor knows exactly what the future returns or income
stream the annuity contract will produce because the applicable rates are set at the time of purchase
and never change.
Simply stated, fixed annuities are guaranteed lifetime income. Those planning for retirement are facing
difficult times after the sting of stock market losses, reduced or canceled dividend payouts, and financial
market uncertainty affecting corporate and government bonds. A guaranteed lifetime income is a
secure, guaranteed, and smart investment for your money.
Equity Index
This is an offshoot of a fixed annuity where the interest rate is based on an outside index such as a stock
market index like the S&P 500 or the Dow Industrial Index. The annuity pays a base return rate, such as
3%, but the returns may be higher if the index returns greater than the base return rate.

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An equity index annuity guarantees a minimum interest rate if held to the end of the surrender term
and protects against a loss of principal. This is a smart choice for an annuity, and returns may be higher
than fixed instruments such as CDs, money market accounts, and bonds. Equity Index Annuities are
insured by the State Guarantee Fund which is similar to the insurance provided by the FDIC.