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Annuities and Insurance

Americans today are living longer, and have a greater opportunity to enjoy retirement to the fullest. You may choose to spend your retirement traveling the world, pursuing a hobby or just relaxing. The question is – will you have enough money saved to fund your new lifestyle?

Your retirement savings may represent the largest sum of money you'll ever need to accumulate. At the same time, your financial future will also be affected by:

  • Rising life expectancy, with retirements of 10 to 30 years now common
  • Dwindling corporate pensions
  • Rising cost of living
  • An uncertain future for Social Security

What does all of this mean for your retirement fund? It means you must take charge of accumulating a considerable nest egg to ensure your retirement expectations are met. You can no longer rely on Social Security or a pension to finance a comfortable retirement.

So where – and how – do you start? Although the number of financial alternatives available to help you save for retirement can seem overwhelming, investing in an annuity may be the perfect place to begin.

What is an annuity?
An annuity is a long-term investment based on a contract between you and an insurance company. You may contribute an unlimited sum of money in the form of a periodic or single lump sum payment (purchase payment). The issuing insurance company agrees to make periodic payments to you, which can begin immediately for certain contracts or on a specific designated date. These payments can provide you with a steady stream of retirement income, guaranteed1 to last as long as you live.

Annuity types


For more information, contact a Financial Advisor.

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