For many Americans, annuities serve as a great complement to other sources of retirement income, such as Social Security and pension plans. The money invested in an annuity compounds year after year with  taxes deferred along the way, often with guarantee options clients cannot find in other investment products. That's why clients in or approaching retirement may be particularly drawn to annuities. The threat of outliving their money from retirement accounts is a significant risk, and annuity features may provide a guaranteed income stream for life, along with guarantee of principal. 

In the past, people believed that annuities were only for wealthy individuals or families who needed to shelter assets or guarantee large amounts of income. Today's annuity products, by contrast, are designed so that middle and lower class families are also able to ensure their income continues in retirement. With the cost of healthcare soaring and life expectancy increasing dramatically in the last 40 years, the need for reliable income after retirement has never been greater. Annuities are one of the only investments that can provide options for guaranteed income or a guarantee of principal.

There are different types of annuities, including fixed, indexed, and variable. Call our dedicated Annuity Department for the latest rate information and details on which annuity might be right for your specific client. You can reach them at 678-461-2055. 

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