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Deferred Annuities :

• The ability to make additional systematic deposits 

• Safety of Principal.

• Competitive rates of return.

• Ideal for retirees and those interested in retirement planning.

Deferred annuities provide guarantees to principal with competitive interest rates. Flexible premium annuities may be either fixed, variable or equity indexed. Flexible premium annuities that are fixed offer guarantees to the interest rate for the specified term.

Deferred annuities that are equity indexed provide interest credited based upon the performance of the index chosen. Variable annuities that are flexible premium deferred annuities permit additional investments and all performance is based upon the investment sub accounts chosen. Deferred annuities provide for additional investments at anytime. The frequency of the investments made is entirely up to the discretion of the policyholder.

Deferred Annuities

Allianz (Power7) elite  annuity

This high yield flexible premium deferred annuity provides a current first year yield of 9.94 %. The minimum initial investment is $20,000 and them minimum guaranteed interest rate is 3%. Surrender period is 10 years, starting at 10% in year one decreasing 1/2 of 1% each month for the ten year period. Free withdrawals of 25% of premiums paid are permissible.

Allianz (PowerDex) annuity

 This equity indexed annuity is a flexible premium deferred annuity. It offers 100% participation, an annual point to point interest crediting method, no fees and a vested high water mark during the first five years. There is a 12% cap applied to the high water mark and there are no additional surrender charges on deposits made after the first year. The minimum guarantee is 3% on 75% of the premiums and free withdrawals of 5% can be withdrawn per year starting in the second year up to 25% cumulative. The minimum initial investments is $2000 for qualified accounts and $5000 for regular accounts. The surrender period for this annuity is 10 years.

American Investors (Alliance Plus P4) annuity

 Current credited interest rate in year one is 5%. Free withdrawals of accumulated interest up to 10% of accumulated value in all years. Surrender charge is 12 years:12,11,10,9,8,7,6,5,4,3,2,1. Minimum initial investment is $5000(NQ), $2000(Q). Minimum guaranteed interest rate of 3%.

Americo (Ultra Provider) annuity 

Current credited rate of interest in year one is  7.75% first year, base rate is 3%. Free withdrawals of 10% accumulated value after year one. Surrender charge is 10yr:12%,12,11,10,9,8,7,6.5. Minimum initial investment is $5000. Minimum guaranteed rate of interest is 2%.

Jefferson Pilot (Pilot Plus) annuity

5.5% guaranteed in year one. Minimum guaranteed interest rate is 3%. Jefferson Pilots' flexible premium annuity provides systematic withdrawal of interest available immediately for qualified accounts. Free withdrawals of 10% available after year one. Surrender period is ten years @ 9,8,7,6,5,3.5,2.5,1.5,.75. Minimum initial investment is $5000.

Lincoln Benefit (Tactician) annuity

• Ten yr. 5.65% year one and 3.65% thereafter.

• Nine yr. 8.60% year one and 3.60% thereafter.

• Eight yr. 5.85% year one and 3.35% thereafter.

• Seven yr. 5.3% year one and 3.30% thereafter

• Six yr. 4.55% year one and 3.55% thereafter

• Five yr. 5% year one and 3% thereafter

Midland (Legacy Bonus 11) annuity

Point to point and daily average strategies available. Annual point to point capped at 10%. Daily average fees: S&P500, DJIA is 2.3%. S&P400 is 2.75% and Russell 2000 is 3.25%. Annual point to point fees are S&P500 and DJIA 2%. NASDAQ 100 is 2.35%, S&P400 is 2.15% and the Russell 2000 is 2.25%. The fixed interest account is currently  3.25%. The premium bonus of 11% and four index strategies makes this one of the very best equity indexed annuities available today.

Deferred annuities are an excellent investment for the retirement planning, funding a college education or a major purchase such as a home or business. The advantages of compounding interest, tax deferral and the ability to systematically invest over a period of time toward a financial goal makes deferred annuities an excellent addition to any investment portfolio.

Contact us for any questions that may result from a closer look at deferred annuities and their many advantages. The products listed here are a sample of over one hundred different products that may be available to you today to help you better plan for tomorrow.

  Rates and terms on all annuity products are subject to change at anytime without prior notice. All products are not available in all states. Please feel free to contact us for further details and information.