Annuities can be a paramount way of saving for retirement. They are designed to assist in reaching long term financial goals such as the ability to create an income stream, put aside money for the future or to provide guaranteed lifetime income. Annuities also offer deferred tax status so you do not pay taxes until there is a withdrawal which helps your savings grow faster. Different annuities have advantages and disadvantages that should be carefully considered in choosing the right option.1

A Variety of Annuity Options

  • Fixed Deferred Annuity
  • income Annuity

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Annuity Options - Fixed Defferred

Fixed Deferred Annuities

Fixed deferred annuities offer tax-deferral advantages with a set interest rate and can provide steady growth in value over time for long term retirement goals as they are not exposed to stock market fluctuations. Taxes are deferred until withdrawals are taken.

Features and Benefits:

  • Guaranteed Fixed Interest Rates
  • Protection from Market Volatility
  • Income Options
  • Tax Deferral

Guaranteed Fixed Interest Rates1

Fixed deferred annuities lock in a specified interest rate during the contract accumulation period (the period before annuity payments begin) allowing the money within your contract to grow slowly and steadily over time.

Protection from Volatility

You’ll be protected against the effects of market fluctuations when you choose a fixed deferred annuity. Provided you don’t make withdrawals, your principal is protected and will grow in value.

Income Options

Fixed Deferred Annuities offer income options that can provide guaranteed short term and/or long term income for life depending on individual needs.2


Fixed Deferred Annuities offer a fixed rate of interest which allows the money value in the annuity to increase as the principal earns interest and as the interest on that principal compounds. Fixed annuities are free from current income taxes which allows your money to grow. Taxes are paid on the money in the event of a withdrawal.

Annuity Options - Income Annuity

Income Annuities

A type of annuity that provides guaranteed income for life with limited or no liquidity or for a period of time of your choice — either immediately or at a future date. As an additional source of income outside of Social Security or a pension, Income Annuities are designed to help convert a portion of your retirement savings into a predictable stream of guaranteed income for a specific amount of time or that you can’t outlive.

Features and Benefits:

  • Guaranteed Income
  • Tax Efficiency
  • Income Options

Guaranteed Income

An Income Annuity gives you the confidence of knowing you will have the money you need for everyday expenses when the paycheck ends.

Tax Efficiency1

If you have already paid taxes on money used to purchase an income annuity, part will be taxable earnings and part of each annuity payment will be considered a return of the amount you paid for the annuity (your purchase payment).

Income Options

Income Annuity options offer the flexibility of the policy holder to decide when to and how often the income will be received (within contract limits). With the fluctuations in the financial markets, you can have peace of mind knowing Income Annuities can provide guaranteed income.3

1 Guarantees are based on the claims-paying ability of the issuing company.2 Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% federal income tax.3The information provided is not written or intended as specific tax or legal advice. Our representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% federal income tax

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Products & Services

Term Life

Meet your life insurance needs at an affordable price.

  • Death Benefit
  • Affordable Coverage
  • Convert Your Policy

Whole Life

Help meet your financial goals and protect your family’s future.

  • Death Benefit
  • Build Cash Value
  • Opportunity to Earn Dividends

Universal Life

Life Insurance through optional guarantees and flexible premiums.

  • Death Benefit
  • Flexible Premiums
  • Build Account Value

Guaranteed Issue Life

Help your loved ones pay for final expense costs.

  • Affordable Coverage
  • Guaranteed Acceptance
  • Death Benefit


Annuities can be a paramount way to save for retirement. Annuities may help your savings grow faster. Each type of annuity has advantages and drawbacks that you should consider carefully before deciding whether an annuity is right for you. Annuities can also provide guaranteed lifetime income.

Long Term Care

Long term care (LTC) can be expensive, and costs generally continue to rise. To receive the quality of care you want in the setting of your choice, putting a plan in place early in life is essential. In order to match your needs and budget you may choose from traditional LTC insurance, life insurance with an LTC component, or some combination of both.

Alternative Financial Strategies

We personalize global alternative financial strategies that are tailored to the accumulation and protection of wealth.

  • Agricultural Hard Assets
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