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Confused About
Annuities?
You're not alone. Many people have difficulty understanding them.
The main reason for all the confusion: Annuities
may be single or flexible-payment; fixed or variable; deferred or
immediate.
No matter the type, annuities are financial contracts with an insurance
company that are designed to be a source of retirement income. This
web site will help you decide if an annuity is right for you and help
you to choose the type of annuity that best meets your needs.
For
more information about annuities . . . .
We are a Full Service agency , representing
the best of the best in Tax Sheltered Annuities.
All products are guaranteed by both the Insurance carriers and by
state regulators as well.
Annuities can allow you to guarantee an income, a rate of return,
play the stock market with index funds (S & P 500, Dow Jones,
NASDAQ, even BOND strategies), with NO LOSSES
possible, and gains LOCKED in EVERY
YEAR. They make great vehicles for ROTH & SEP IRAs, Retirement
plans and a safe haven for capital gains. C
D = Certificate of Disappointment !!!
What cripples a CD the most?
*Returns *lnflation *Taxes
Overcome ALL of these with a Tax Deferred Annuity!
They eliminate taxes, increase interest, and keep pace with inflation!
Recent Equity-indexed annuities guarantee principal as well as the
gain, and benefit you from the upside of the stock market, without
any downside risk!
Premium amount $100,000.00
Interest rate 4.5% + $4,500.00
Taxes 33% - $1,485.00
Amount after tax = $103,015.00
Inflation 3.5% - $3,605.53
Amount left = $99,409.48
Net loss ($590.52)
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The Real Rate
of Return: 1990 - 2000 |
| |
1990 |
1991 |
1992 |
1993 |
1994 |
1995 |
1996 |
1997 |
1998 |
1999 |
2000 |
| CD Rate |
7.64 |
4.41 |
3.55 |
3.35 |
6.78 |
5.49 |
5.47 |
5.82 |
5.01 |
6.07 |
6.30 |
| Inflation |
6.3 |
3.0 |
3.0 |
2.8 |
2.6 |
2.6 |
3.3 |
1.7 |
1.6 |
2.8 |
3.4 |
| Real Rate of Return (less
33% Tax & Inflation) |
-1.18 |
-0.05 |
-0.62 |
-0.56 |
1.94 |
1.08 |
0.36 |
2.20 |
1.76 |
1.37 |
0.82 |
Source: Bloomberg
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Proudly representing these A to A+ rated Annuity carriers:
AIG
Allianz/Life UsA
American Equity
American National
Equivest
F&G Life
Fidelity Security |
GE Capital/Genworth
Golden Rule
ING
Jefferson-Pilot
John Hancock
Keyport
Layfayette Life |
Lincoln Financial
ManuLife
Mutual of Omaha
Physicians Mutual
Presidential
Sun Trust
USG |
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