• Provide lifetime income
• Manage tax liability
• Leave more for my family
• Gain interest based on market changes

Annuities are long-term investments designed to help your retirement in two vital phases: accumulation and distribution.  It's important to discuss with your financial professional if this is an appropriate option for you.  For some, it can work great.  For others, it's not the best fit.  That's why we encourage you to understand how they work and what your options are.

What's a variable annuity? ... A variable annuity is a contract between the owner and an insurance company that combines the flexibility and growth potential of professionally managed investment options with tax deferral and insurance company guarantees.  This unique combination can be a valuable component of your long-term retirement plan.  They generally offer access to a wide range of professionally managed investment options, including money market, bond, and stock options, as well as diversified investment options managed to meet specific objectives.  The variety of available choices allows you to develop an investment strategy tailored to your unique needs. Investment options are subject to market fluctuation, investment risk, and possible loss of principal.

What's a fixed index annuity? ... A fixed index annuity (known for its tax-deferred benefits) is a contract between you and an insurance company that provides a guaranteed minimum interest rate, tax-deferred growth, and guaranteed payments through annuitization in retirement.  This unique combination of benefits can make fixed index annuities an ideal low-risk component of your long-term retirement plan.  Fixed index annuities are a type of fixed annuity that earns interest, in part, based on changes in a market index, which measures how the market or part of the market performs.  All guarantees are based on the claims-paying ability of the issuing insurance company.  The potential for interest credited to the policy is affected by changes in the index over the crediting period and isn’t affected by the index directly.  Even though changes in the index affect the index interest credited to the annuity policy, a fixed index annuity is not an investment in the stock market and does not participate in equities, commodities, fixed income, or currencies