Annuities Information

An Insurance Investment Alternative

Often one of the most misunderstood investments, annuites, unlike securities, is a contract between you and an insurance company that is designed to meet your retirement and other long-range goals. Annuities are funded with a lump-sum payment or series of payments and in return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. As insurance contracts, there are two primary annuity options – Fixed annuities and indexed annuities.

Fixed Annuities – A Guaranteed Rate of Return

A fixed annuity provides a locked-in, guaranteed rate of return on the investment and a fixed, stable income in its payout phase. A fixed annuity thus provides a steady retirement income. The primary advantages of fixed annuities are tax-deferred growth, guaranteed return of principle, and lifetime income – as long as you are living, you will receive the same monthly income.

Indexed Annuities – Potential for Greater Returns Without Risking Principle

An equity-indexed annuity is a form of a fixed annuity contract tied to a stock index that provides the opportunity to earn returns better than those in a traditional fixed annuity, but less than those of a direct investment in the market itself. In this contract, the insurance company invests in a mix of bonds and stock options designed to give a targeted rate of a particular index (e.g., the S&P 500 Index). While the purchaser has no choice in the investment itself, he or she is able to participate to a degree in stock market gains during a rising market. If stocks fall, then the contract guarantees a minimum rate of return, regardless of index performance.

Annuites – Are they a good investment?

Fixed annuities are a solid investment for anyone who needs a reliable, steady source of income to pay for their expenses for the remainder of their life. While fixed annuities aren’t right for everyone, they can provide peace of mind for those who’d like to avoid uncertainty during their golden years. For those who fear the potential loss of all their money because of poor investment choices, that “”guarantee”" is important. Similarly, Indexed annuities have many of the same characteristics of their fixed annuity counterpart. The primary difference being their return varies more than a fixed annuity because they are tied to the exchange rate. Indexed annuities give you more risk (but more potential return) than a fixed annuity and offer guaranteed minimum rates of return.

Pacific Crest Annuity Options

At Pacific Crest Insurance, our agents have extensive experience with both fixed and indexed annuities. Additionally, Pacific Crest Insurance has broker/carrier relationships with the top insurance companies in the nation specializing in annuities. For more information on indexed or fixed annuities,  contact a Pacific Crest Independent Agent in your community.

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