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What are Annuities


Fixed Annuities

A fixed annuity is a type of annuity contract that allows for the accumulation of capital on a tax-deferred basis. In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed rate of interest while guaranteeing the principal investment.

Multi-Year Guarantee Annuity (MYGA)

A tax deferred CD alternative! Earn a fixed rate of interest over the entire term period while guaranteeing the principal investment.


This specific type of fixed annuity guarantees a rate for the first year and a minimum rate of return for the subsequent years of the term. During the term, rates can increase or decrease as market interest rates shift.


Fixed Indexed

Capitalize on the gains of the market with none of the risk! This special class of annuities offers the opportunity to earn higher yields based on stock market performance with protection against market declines.


Income Producing

Bridge the retirement income gap with an income producing annuity and supplement social security and/or pensions with steady income. Choose between an immediate or deferred annuity with multiple payout options.

Single Premium Immediate Annuity (SPIA)

The SPIA is designed to provide immediate income that is activated within a 12 month period by converting a lump sum into scheduled payments.

Deferred Income Annuity (DIA)

The DIA is designed to delay payments of income until the investor elects to receive them after a 12 month period to allow for interest accumulation before payments begin. This type of annuity has two main phases: the savings phase in which you invest money into the account, and the income phase in which the plan is converted into an annuity and payments are received.

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