Why consider a guaranteed fixed annuity?

Fixed annunities can give you two important benefits. You get the tax-deferred potential growth and income options of an annuity. You also get fixed interest, so you'll know year-to-year what your annuity will earn.

1. Guaranteed Interest: You have the assurance that your annuity will be creditied interest every year, at a rate that is guaranteed for a specified period of time.




2. A choice of interest rate guarantee periods lets you lock your initial interest rate for one year, three years, five years or even for longer periods of time. Annuities are not appropriate as a very short-term investment. It is important that you understand your time horizon and investment goals.




3. Income options: Beyond a simple, lump-sum payment, your annuity offers you a variety of ways to receive its value over time. This includes the opportunity to receive income payments for as long as you live.




4. A death benefit for your beneficiaries: If you pass away before you begin receiving income payments from your annuity, your accumulation value will be paid out to your beneficiary(ies).




5. A variety of surrender charges periods for greater flexibility: Most fixed annuities have a pre-set surrender charge period. This means that you choose how long your money will be subject to surrender charges, allowing you greater planning options..

Annuities offered through RetirementGuard can include a variety of features and options that may help you reach your financial goals. You should carefully review all aspects of these products to determine if they are the right choice for you.