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Annuities may provide great benefits to your overall retirement plan. By working with a Certified Annuity Specialist®, you can be confident you will be picking the right annuity to meet your specific needs and goals.
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Multi-year guaranteed annuities (MYGAs) are a type of annuity that provides a fixed interest rate for a set number of years - similar to a Certificate of Deposit (CD) at a bank. Interest rates are guaranteed by an insurance company, making MYGAs a great low-risk investment option.
Multi-Year Guaranteed Annuity (MYGA)
Fixed Annuity
Fixed annuities are similar to MYGAs in which they offer a fixed interest rate for a set period of time, typically ranging from one to ten years. The main difference is that MYGAs guarantee the interest rate for the entire duration, whereas Fixed Annuities may offer a higher initial interest rate which then lowers after a period of time.
Fixed index annuities (FIAs) are a type of annuity that offers the potential for higher returns based on the performance of a stock market index, while also providing downside protection against market losses. FIAs may be good for retirees who want the potential to earn more interest while avoiding stock market-related losses. FIAs can also offer optional guarantees, such as guaranteed lifetime income and death benefit, for an additional cost.
Fixed Index Annuity
Variable Annuity
Variable annuities are a type of annuity that offer a range of investment options, typically including stocks, bonds, and mutual funds. The investor bears the investment risk, meaning that the value of the annuity can go up or down based on the performance of the underlying investments. Variable annuities can also offer optional guarantees, such as minimum income benefit or death benefit, for an additional cost.
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As fiduciary insurance and financial professionals, we focus on educating our clients on all of the different products, strategies, or investments they have to choose from and help them decide which may be in their best interest!
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