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Immediate Annuities

In trade for a single lump sum, you will receive income for a set amount of time, or for life.  It provides the security of never outliving your money by creating a steady stream of income.  With guarantees that if you pass away too soon, your beneficiaries will receive a benefit, and if you live a very long life, the income will still arrive.

 

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Qualified Charity Annuities 

A tax advantaged way to make up to a $50,000 donation to a charity and receive income for life.  If you pass away early, the charity receives the remainder.  The initial amount withdrawn from your IRA counts toward your Required Minimum Distribution, and only the amount you receive in the annual income is counted toward taxable income. 

 

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Qualified Longevity Annuities

You can now set aside up to $200,000 from your IRA today and advance it forward to as far as your 85th birthday.  When you turn that later age, a bucket of money is waiting for you with income that starts fresh.  It removes the asset from today’s value of your IRA (from which Required Minimum Distributions are based) and moves it to future plans.  If you don’t live to that later date, your beneficiaries receive the principal amount back.

 

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Deferred Income

A way to build your own pension.  Setting aside money today, either through systematic savings or sporadic deposits, this account creates a source for future retirement income when you are in retirement.  Once you have saved your nest egg, you choose how you want to start receiving your monthly income, with guarantees to provide for two people, if you wish.

 

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Compare Features & Benefits

Features

  • Guaranteed rate of return
  • Tax deferred growth

Focus: Tax deferred accumulation

Death Benefit: Yes

Lifetime Income: Yes, if activated

Features

  • Provides a steady, dependable income to help budgeting
  • Payments start within 13 months of deposit
  • Limited Liquidity

Focus: Monthly budgeting

Death Benefit: Options

Lifetime Income: Yes

Features

  • Recognize a charity with a legacy gift
  • Provides you with lifetime income, and a benefit to the charity if you pass too soon

Focus: Tax advantage way to recognize a charity

Death Benefit: Options

Lifetime Income: Yes

Features

  • Moves part of your IRA money to the future
  • Reduces the balance on which RMD’s are based

Focus: Advancing money for future expenses

Death Benefit: Options

Lifetime Income: Yes

Features

  • Turns savings into future monthly income
  • Payments start more than 13 months after deposit
  • No liquidity (limited exceptions)

Focus: Build a personal pension plan

Death Benefit: Options

Lifetime Income: Yes

Additional coverage to protect more of what you love.