Your money should work for you, not against you.

 Earnings grow tax-deferred until withdrawn, allowing your money to compound faster over time. 

When you invest in an annuity, you don’t pay taxes on the interest, dividends, or capital gains as the money grows. This is known as tax deferral. Instead of paying taxes every year (like you would with a savings account or non-qualified brokerage account), you only pay taxes when you start withdrawing money. 

• Lifetime payments: Annuities can provide a steady stream of income for life, helping prevent outliving your savings.
   
• Custom payout options: Choose income for life, a set number of years, or joint lifetime for couples.

• Fixed annuities protect your principal and offer guaranteed minimum interest rates.
   
• Indexed annuities offer market-linked growth with downside protection.

You can name one or more beneficiaries to receive any remaining value in the annuity.
 

This allows the death benefit to bypass probate, which can save time, legal fees, and reduce stress for your family.

Many annuities include a built-in or optional death benefit rider, which guarantees that your beneficiaries will receive the full value of your original investment, or, in most cases, more than the original investment.

Indexed and fixed annuities shield your money from market losses.

1. Fixed Annuities

• Offer a guaranteed interest rate over a set period, regardless of market performance.
   
• Your principal is 100% protected from market loss.
   
• Ideal for conservative investors who prioritize safety over high returns.
   

• Linked to the performance of a market index (like the S&P 500), but not directly invested in it.
   
• You earn interest based on market gains—with a cap or participation rate—but if the market goes down, you don’t lose money.
   
• The worst-case annual return is typically 0%, not negative—no loss of principal or prior gains due to market drops.

Unlike traditional retirement accounts like 401(k)s and IRAs that come with annual contribution limits set by the IRS, annuities have no such cap. This gives you greater freedom and flexibility in how much you can invest for your future.

 With annuities, there is no IRS-imposed maximum on how much you can invest in a non-qualified (after-tax) annuity. This means:

• You can invest tens or even hundreds of thousands at once.
• Great for rollovers from other accounts like 401(k)s or IRAs.

Ideal for people who have maxed out their other retirement accounts and still want to invest more for long-term, tax-deferred growth