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.
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
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.
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.