Tax Deferral: Under current federal income tax laws, any interest in your Fixed Annuity is tax-deferred. You pay ordinary income taxes on your investment only when you begin receiving money from your contract. Most likely you will be retired by the time you begin taking this income and in a lower tax bracket than you were while earning the money.

Guaranteed Interest: Fixed Annuities offer a guaranteed interest rate that is competitive with other long-term financial vehicles. Since the interest your annuity earns is tax-deferred, it may accumulate assets faster.

Protection: Fixed Annuities offer you a level of protection you may find reassuring. That protection can benefit you in three separate ways:
  • Accumulation: Your principal and credited interest is protected.
  • Guaranteed Income: You can be protected from the possibility of outliving your assets.
  • Legacy: If you pass away, a Fixed Annuity can help provide for your loved ones.

BENEFITS OF FIXED ANNUITIES

TYPES OF FIXED ANNUITIES

FIXED ANNUITIES

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MYG Rates


3 Yrs. 2.50%

5 Yrs. 3.15%

10 Yrs. 3.25%

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* Rates subject to change

Multi-Year Guaranteed:

Offers a declared fixed interest rate that is guaranteed for a specified period of time, anywhere from 3-10 years. Rates are typically higher than CD rates.

A Fixed Annuity is a contract between you and an insurance company, designed to help you reach your long-term financial goals. Your money is not directly invested in the market and therefore is not subject to the risk of market losses. Fixed Annuities guarantee a minimum rate of growth and penalty free withdrawals throughout the contract term and full liquidity at the end of the term. They can provide you with a guaranteed income stream either starting immediately or at some time in the future.

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Fixed Index:

Interest rate credited is linked to specific market indices that you choose. Once the interest is credited you are guaranteed that it can never go down based on future market fluctuations.

Traditional Fixed:

Offers an initial first year declared rate that could go up or down in subsequent years. There is a minimum rate guarantee for the contract term.

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Single Premium Immediate (SPIA):

Guarantees an income stream ranging from a specific period of time to your entire life. Offering a solution to the problem of outliving your money.