Stuart Hindemit ALLrate Advisor
800-818-2946

Annuity 101

You can safeguard your retirement nest egg despite uncertain markets and you can turn your savings into monthly income that will last as long as you live. Find out what an annuity can do for you call 800-818-2946.

What is an annuity?

An annuity is a long-term retirement savings product that can help protect you from outliving your money. It’s a contract between you and an insurance company. When you put money into an annuity, you create something that will in turn pay you an income month after month, year after year, for as long as you live if you like.

What’s right for you?

There are a few different types of annuities. Each type offers different options, so you can get exactly what you need.

Fixed Annuity

Well suited if you’re retired and/or happy with a very predictable rate of growth in your annuity.

An fixed annuity grows at a rate set annually, but never lower than the guaranteed minimum interest rate determined at the time you purchase the annuity. A fixed annuity comes in both the immediate and the deferred type, depending on when you need to take income.

Fixed Indexed Annuity

You have the potential for growth at a higher rate without the risk of losing your principal or being directly in the stock market.

Unlike a traditional fixed annuity where the insurance company sets the interest rate, an indexed annuity credits interest based partly on the upward movement of a major-market stock index.

Annuities built around you

For an annuity that’s built around you and your life, we need to know a few things about you and what’s important to you. You can get started today by calling me at 800-818-2946 for specific annuity information regarding your needs.

Sincerely,

Stuart Hindemit - ALLrate Advisor since 1990

800-818-2946