Deferred Fixed Annuities

A deferred annuity is a long term investment designed to accumulate assets for retirement. It also offers the ability to turn those assets into a predictable stream of income at some point in the future. You decide when your deferred annuity payments begin and how long to receive income.

A fixed deferred annuity is designed to help investors plan for their retirement by offering a tax-deferred1 vehicle with interest rate guarantees to encourage long-term savings. While accumulating assets, your fixed deferred annuity is generally not subject to taxes until you redeem the contract. As shown in this example, a tax-deferred investment may result in a higher return than a taxable investment.You may accumulate more money for your retirement faster and have more available income during your retirement.

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Deferred Fixed Annuities

 People are living longer and that means more time and savings will be spent in retirement. If you need a tax-deferred investment to provide guaranteed income for life or a specified number of years in the future, an annuity may be worth considering. A deferred fixed annuity pays a guaranteed rate of return on the investment during the accumulation phase. A stream of guaranteed income is paid during the income phase based on the value of the annuity.

 A deferred fixed annuity is a long term investment designed to accumulate assets for retirement. It also offers the ability to turn those assets into a predictable stream of income at some point in the future. You decide when your deferred fixed annuity payments begin and how long to receive income.

Deferred Fixed Annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity. Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity's additional features, such as lifetime income payments and death benefit protection.