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Annuity is a contract between you and an insurance company that promises to provide income payments to the beneficiary. Payments can be fixed or variable, can start immediately or at a future date. Annuity guarantees the payments for the rest of your life no matter how long you live, or for a specific length of time, usually 5 or 10 years. With such features, majority of the people purchase an annuity plan to secure their pensions in their retirement.

Advantages of annuity

Annuity offers several advantages. When the stock market is volatile, annuity continues to provide a relatively more stable income. When stock market is rising, annuity has the capability to seek even more growth. Just like qualified retirement plans, annuity is tax-deffered, but there is no federal limit on how much you can put in your annuity plan.

Top reasons to buy annuity

  • Guaranteed principal and interest
  • Deffered tax
  • Gains from the stock market with less risk
  • Long term secured retirement income

In general, if you are looking for long term financial security in your retirement, an annuity plan may be right for you. If you are not sure, don't hesitate to ask our financial experts. We are always ready to answer all your questions.

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