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Annuities |
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An annuity...
is a contract issued by an insurance
company that allows you to contribute funds, earn a guaranteed minimum
interest rate, grow tax-deferred while in the accumulation phase, and
provide you with a guaranteed income for a period of time or for the
rest of your life. No other investment or bank account offers you this
level of flexibility, guaranteed benefits, tax-deferral and the
ability to received a life income that you can't outlive!
Consider
an annuity!
Annuities postpone taxes due on
earnings until they are withdrawn. Guarantee of Principle; our
annuities have iron clad guarantee of potential of
market-linked growth with no downside risk.
With the tax deferral, you accumulate faster, your principal
earns, the interest compounds, and the money saved in taxes earns
interest. Unlike a CD there is no yearly
tax payable, reducing that vehicles effective return,
and generating other unfavorable tax consequences. Additionally
Annuities are generally free from attachment.
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Annuities
add these other powerful benefits:
 | Unlimited
contributions. |
| No
required distributions at age 70½.
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| Option of
guaranteed income for life. |
| A
guaranteed fixed rate of return in a fixed annuity (and as an
option in many variable annuities).
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| A death
benefit that passes account values to beneficiaries, and which
may avoid probate, but is not tax free.
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When you purchase an annuity, it is
considered to be either a deferred annuity or an
immediate
annuity. A deferred annuity provides you with
the opportunity to let the premium accumulate interest and grow.
An immediate annuity provides you with a specified, guaranteed
income stream immediately (the payments usually begin within 30
days from purchase). Deferred annuities can be annuitized, which
means that you may request to have a guaranteed income stream from
that point going forward. Some insurance companies prohibit
annuitization of deferred contracts in the first 12 months, while
other carriers have no such restrictions.
A “screenshot” of
just one our annuity Companies...
| Providing "Sleep
Insurance" to contract owners is a key principle of
American Equity. This means clients can feel confident
that their retirement dollars are not at risk. These
equity-indexed annuities include minimum guarantees
that ensure contract owners cannot lose premium due to
index volatility. Ability to maintain the income,
liquidity and flexibility needed to provide superior
contract owner value while meeting the challenges of a
competitive marketplace. American Equity is committed
to keeping an exceptionally high quality asset
portfolio. As of September 30, 2004, over $7 billion
in assets, 98.90% of bond portfolio is investment
grade, and have been profitable since inception. The
dedication to sound business principles is recognized
by A.M. Best, a nationally recognized industry rating
authority. A.M. Best's rating of "Very Good" for
American Equity is a measure of performance in the
areas of investment quality, policy reserves, capital
adequacy, cost control and management experience. |
Americans should enjoy their retirement years with financial
security. We invite you to protect your tomorrows by asking for an
analysis of your financial house, to see if any of our products
fit your situation. Then and only then, after assessing due
diligence on your behalf, will we (return) and have a product
recommendation.
We can show people how insurance and index annuities can do many
times better than what Social Security has ever been able to
achieve. If just a portion of what citizens today pay into that
tax, was devoted to proper financial planning, time would prove
that capital hill has not been the advocate of seniors past
present or future.
AT TERMBUYS.COM...
We have a full portfolio of annuities
for your review and purchase. There are many different types of
annuities with various features, benefits and surrender
schedules. Since we are an independent agency, we have the ability
to represent many of the top insurance carriers in America.
Therefore we have the ability to shop the best annuity for your
investment objective needs!
Please feel free to call us to review
your annuity options. You may also complete the online
annuity request form
to help
our Financial Professionals better understand your needs and
objectives. We're here to help you reach your goals.
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