Annuities give you choices now – and a guaranteed interest rate that lasts for years!

A prudent plan shouldn’t rely solely on Social Security to pay for your retirement years. One way to accumulate additional assets for retirement income is an annuity. The money in an annuity has the potential to create an additional source of retirement income that can supplement Social Security. This is one reason many people use annuities to help them achieve their long-term financial goals, including retirement income.

FIXED ANNUITIES
A single premium, multi-year guarantee annuity offers you a choice of Guaranteed Interest Rate (GIR) periods and access to their full accumulation value after your chosen GIR period. You receive guaranteed interest based on two choices you make:

     1. You determine how much money you wish to place in the annuity. Based on three premium bands, the higher your initial premium, the higher your initial interest rate may be.

     2. You select the length of the Guaranteed Interest Rate period. Choose a shorter, guaranteed interest rate (GIR) period if you feel rates may be heading up. Or lock in a longer GIR period and your annuity can deliver more predictable interest.

FIXED INDEX ANNUITIES
We offer fixed-index annuities (FIAs) that provide the guarantees of fixed annuities combined with the opportunity to earn interest based on potential market index gains – without directly participating in the market. Some of the features that are available to you through our FIAs are bonuses, various crediting methods, and allocation options that give you choices for your money.

We continue to develop new and innovative fixed-index annuities that provide the guarantees of a fixed annuity with the potential for indexed interest. Please understand that bonus annuities may carry higher fees and charges than annuities without the bonus feature.

VARIABLE ANNUITIES
We provide variable annuities designed to help you with the challenges of today's market reality.

We offer a comprehensive portfolio of variable annuities that focus on your long-term retirement goals and wealth management needs. Our variable annuities come with guarantees designed to help you protect your investments during various market conditions.