About Fixed Annuities…It's time to learn more about why people buy them

A fixed annuity offers safety of principal and earns a guaranteed interest rate for a certain period of time. At the end of that period, you’ll be offered a new fixed rate—usually based on current interest rates—for a new period. Your growth will be steady and earnings are tax-deferred until withdrawn. A fixed annuity is a low-risk product for people who always want to know how much they’ll be earning.

Fixed annuity purchasers should research an insurance company’s financial position thoroughly, because the strength of a guarantee is only as strong as the company offering it. To make things easier, we apply a stringent set of criteria to filter against all potential annuity contracts before they are approved for our customers. Remember that your annuity purchase is not FDIC-insured.

"You have to prepare for what is unpredictable and uncertain."

—JJH, CEO

Why Do Fixed Annuities Remain So Popular?

Many people enjoy their lack of moving parts, unique features and overall simplicity.

Fixed annuities are an asset class that can safely be blended into an overall portfolio model allocation. Since saving for retirement isn’t just about making money; it’s also about not losing the money you already have saved.

A fixed annuity can offer rates of return comparable to short term bonds – without asset price fluctuations. This approach can serve to provide greater stability as a foundational element of our Hybrid Investment™ model.

With a Fixed Annuity the amount of interest you earn each year is tax-deferred until withdrawn. Unlike earnings from bank accounts, stocks, bonds, mutual funds or regular savings accounts which are taxable whether you need them or not (unless inside an IRA or other retirement plan).

What does this mean for you? Well, it means you benefit from what is known as "triple-compounding" of interest. Your assets earn interest, your interest earns interest…and the money otherwise paid to taxes earns interest. Nothing wrong with a little turbo-boost for your money.

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Choose a Guarantee Period

Select the interest guarantee period you want, from 3 - 10yrs.

Earn Predictable Guaranteed Interest

Know your interest rate for the entire guaranteed period.

Flexible Options When Term Ends

Renew, cancel or exchange when the period is up.

Only Pay Taxes On Withdrawals

You decide when to pay taxes on the interest earned.

Top Fixed Annuity rates are coming right up…