Purchase Your Annuity

You give the insurance company money in one or more payments. The insurance company then invests it on behalf of all annuity owners to support the benefits of the contract.


Accumulation Phase

During the accumulation phase, your annuity will earn a fixed rate of interest that is guaranteed by the insurance company or an interest rate based on the growth of an external index.


Tax-deferred Growth

You defer paying taxes on your contract's interest until you receive money from the contract. Tax-deferred interest means the money in your contract can grow faster.


Distribution Phase

After a period of time specified by your contract, you may then receive the amount allowed by your contract in a lump sum, over a set period of time, or as income for the rest of your life.

Annuities 101

Buying an annuity is one way to help build your retirement assets and achieve your long-term financial goals. They offer a number of features such as:

Principal protection and potential interest to help you accumulate money for your retirement.

Tax-deferred growth, which may help your savings accumulate faster. 

Lump sum withdrawals, or income options including income for the rest of your life.

Reassurance that your beneficiaries will get a death benefit options if you pass away before you start receiving annuity payments.  

How Do Fixed And Indexed Annuity Works?

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