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Annuities


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Annuities Information

FOCUSING ON ON YOUR NEEDS! 

PROVIDING COMPARISONS THAT MAKE IT EASY FOR YOU TO CHOOSE! 

SUPPORTING YOUR EFFORT TO FIND A PLAN AND MAKE A CHOICE THAT YOU ARE COMFORTABLE WITH!

PROVIDING PLANS AND RATES THAT PROVIDE THE VALUE THAT YOU WANT! 

MOST IMPORTANTLY, HELPING YOU PROTECT YOUR FAMILY, AS WELL AS, YOURSELF!

Why buy an annuity?

  • SAFETY - A good option for individuals who want safety from market volatility
  • GUARANTEES - A minimum interest guarantee and a zero percent interest floor to protect against losses
  • SECURITY - Your interest earned can then be used for supplemental income during retirement, guaranteed financial independence as you age, or a monetary legacy to leave behind for your loved ones.
  • QUALITY OF LIFE - An annuity can help you continue living comfortably well into old age.  
  • FLEXIBILITY - Unlike other investment plans, there is no limit on the size of annuity you can purchase.  
  • TAX ADVANTAGES - Your premium/deposit will steadily grow with a tax-deferred status, and you pay your regular tax income rate on only your earned interest upon withdrawal.  

Contact us to learn more about planning your future with an annuity.

We are happy to answer your questions and help begin your investment process today.

 

 What is an annuity?

An annuity is a long-term insurance contract between you, the annuitant, and an insurance company, the annuity issuer.  Under this contract, you pay after-tax funds to the annuity issuer, who then invests your premium/deposit to meet your financial objectives and pays you or your beneficiary back with interest (subject to the claims-paying ability of the issuer).

If you have  a fixed annuity, your interest rate is guaranteed.  With a variable annuity, your earnings are linked with the fluctuating performance of your investments and may be worth more or less than your principal when redeemed. In addition, you have added control in how your money is invested, creating a higher potential for growth.  However, this option comes with a higher risk in return.

 

What annuity options are available?

An immediate annuity can begin paying you right away. You can choose whether you want your income guaranteed for a specific time period or if you want lifelong payments. The amount of your payments is calculated based on your premium/deposit and your life expectancy.

A deferred annuity is broken up into two phases:

  • Accumulation: This is when you add money to your annuity, whether you pay in a lump sum or you make a series of payments. You can continue to let your annuity grow tax-deferred for an indefinite amount of time.
  • Distribution: This is when you begin withdrawing money from your annuity whether you take out systematic withdrawals or you annuitize to supplement your finances with a regular stream of income for life.


 

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Fax: 330-362-2035      Email: jpm_mail@jpminsuranceservices.com

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