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An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.

Types of Annuities available and the benefits of choosing that type of program.


Provides income payments that normally begin within a year after the premium is paid.


• Provide income payments that begin later, often after many years. Deferred annuities are designed

for long-term savings purposes.

• Available to purchase using a single lump sum, or with flexible premiums over time.

• When it comes time to take income from your deferred annuity, you will have many options available

to meet your needs.

Fixed Interest Rate Annuities

• Deposits accumulate at fixed rate of interest set by the company.

• Have a guaranteed minimum interest rate that will be earned.

Indexed Annuities

• Interest is based on changes in a major index such as the S&P 500.2

• Over the long-term, an indexed annuity may offer the potential for greater earnings than a fixed

annuity but may have years, when the index is down, when no interest will be credited.

Variable Annuities

• Upside potential of the securities market.

• Choice of a variety of sub accounts as well as fixed income account options.

• Ability to transfer money between different types of investments without current tax liability.

• No guarantees which may result in a loss of principal.

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