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Annuity Options

For retirees concerned about outliving their retirement income, one option to consider is to use a portion of assets to purchase an annuity. Annuities offer many different options, from starting income payouts right away with an immediate annuity to delaying them until a later date with a deferred annuity.

An annuity is a long-term contract with an insurance company that can be purchased for a lump sum or over a period of time. That premium guarantees a stream of payouts for a specific period of time, or even life, for one or both spouses.1Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company, so it’s important to research the company before making a purchase. A financial professional can help you determine which type of annuity suits your needs and objectives. We will be happy to give you more information about annuities and discuss options with you; give us a call to set up a meeting.

Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by company. Annuities are not a deposit of nor are they insured by any bank, the FDIC, NCUA, or by any federal government agency. Annuities are designed for retirement or other long-term needs.

The content provided here is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice. Contact us at info@securedretirements.com or call us at (952) 460­-3260 to schedule a time to discuss your financial situation and the potential role of investments in your financial strategy.

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