Uncapped potential growth of the S&P 500; or high caps on other indexes; 2. These products typically offer some protection against losses and cap the return you can earn over a specific period of time. Please call 888-868-2583 for a free prospectus. This is because your money is in the markets. For instance, let's say your index annuity happens to track the S&P 500 index. Fixed and variable annuities can provide a steady stream of income. An indexed annuity is a type of insurance contract. Variable annuities and indexed universal life are both life insurance company products with some similarities and a few significant differences. The insurance company credits you with a return that is based on a stock market index, such as the Standard & Poor’s 500 Index. What is a variable annuity? Help your clients achieve their retirement goals with investment flexibility — 40+ subaccount options from 15 investment managers — tax deferral, dollar cost averaging, and a guaranteed death benefit every six years. Fees and Commissions - 4.9 / 5. The ClearLine Annuity, in most states form ICC18 5500 (9-18), a single premium, deferred fixed index annuity contract and the Rising Income Rider, in most states form ICC18 5520 (9-18), an optional rider available for purchase with the ClearLine Annuity and for which an annual charge applies, are issued by Security Benefit Life Insurance Company (SBL). Index annuities Protect client income for life with the security of a fixed annuity offering tax-deferred interest based on index performance. An index variable annuity offers a unique combination of features, including market participation through a variety of allocation options; tax-deferred growth opportunities; and optional protection benefits that can provide certain income and beneficiary guarantees for an additional cost. Rather than solely building your portfolio with securities, indexes and investment strategies, you’ll be able to subscribe to a specific type of index strategy through the company. A new way to look at diversified investing, combining the flexibility of mutual funds with the loss protection of market risk control. Some annuities are variable. The Variflex ® Variable Annuity gives your clients the freedom to create investment strategies within a variable annuity. A variable annuity is a type of annuity that is dependent on another financial entity’s performance. Life insurer support helped keep U.S. sales of individual variable indexed annuities growing in the second quarter, even as sales of all other major types of individual annuities … Click here to download the May 1, 2021 product prospectus and underlying fund prospectuses for the New York Life IndexFlex Variable Annuity. Lincoln Level Advantage® indexed variable annuity is a long-term investment product that offers tax-deferred growth, access to a lifetime income stream and death benefit protection. Whether you’re already retired or years away, you can feel more confident in your planning with guaranteed income from a fixed or variable annuity. Variable Indexed Annuities Offer tax-deferred investment growth through returns tied to the performance of market indices, as well. Get current annuity rates and review our top annuity picks from highly-rated companies. An indexed annuity is a complex financial product. Unlike some annuities which offer little choice, FlexGuard offers you the opportunity to select from many options. Variable annuities earn returns based on the performance of the investment portfolio. Enjoy the protection of a fixed annuity, the potential for tax-deferred interest earnings based on the performance of a specific index, and the opportunity for guaranteed income for life. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. In a variable annuity you can switch the way you invest your funds. Index Advantage® Variable Annuity is unlike most of the other variable annuities at Allianz, although it maintains a maximum issue age of 80. Annuity contracts have terms and limitations for keeping them in force. But suppose you simultaneously desire some exposure to specific market benchmarks—this is where Fixed-Indexed Annuities (FIAs), also known as indexed annuities, are supposed to come in. Prudential FlexGuard Income is an indexed variable annuity that offers income with various levels of protection and the opportunity to capitalize on market growth, even after clients have started taking income. An annuity can be a smart choice that may give you more confidence along your path toward a fulfilling future. Rather than solely building your portfolio with securities, indexes and investment strategies, you’ll be able to subscribe to a specific type of index strategy through the company. Contract form number is RSC-0559 3/21 in most states. Sometimes, the difference can be pretty stark, as was the case with many variable annuities following the financial crisis. 2; Over the long-term, an indexed annuity may offer the potential for greater earnings than a fixed annuity but may have years, when the index is … An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. A variable annuity is a type of annuity contract that allows for the accumulation and disbursement of capital on a tax-deferred basis. There are two elements to an annuity - the principal, which is the amount paid into the annuity over a period of time, and the returns on that principal. For immediate fixed annuity contracts, annuitants receive a fixed income stream based, in part, on the interest rate guarantee at the time of purchase. Fixed-indexed annuities contain features of both fixed and variable annuities, offering investors a return based on charges in a specific market benchmark. There are no commission fees or surrender charges (if you’re over the age of 59½) for the Vanguard Variable Annuity and consumers can open an account with $5,000. July 20, 2020. Protection for a portion of assets — Risk control accounts offer customized, guaranteed limits on loss. In a nutshell, an indexed annuity -- which is sometimes called a fixed-indexed annuity, or an equity-index annuity, or a variation on one of those -- … Contributing to a variable annuity or hybrid index annuity creates long term tax-deferred growth and future income potential. A variable annuity is designed to provide reliable monthly income that lasts for life. Below are resources for existing contract/certificate holders. A variable annuity is designed to provide reliable monthly income that lasts for life. Index Advantage® Variable Annuity is unlike most of the other variable annuities at Allianz, although it maintains a maximum issue age of 80. The index annuity tracks an index such as the Standard and Poor's 500 index, and your return on your money will usually be a percentage of what that particular index did for your corresponding investment year. There are two phases to an annuity contract – the accumulation (savings) phase and the annuity (payout) phase. Death benefits for your loved ones or charities. The result is a greater potential upside than a … It is a long-term investment that can help you grow your retirement savings faster by investing in a diverse selection of investment options while deferring taxes until you take income. Registered index-linked annuities are sometimes referred to as variable-indexed annuities, indexed-variable annuities, buffered annuities or structured annuities. DOWNLOAD THE PRODUCT PROSPECTUS. A variable annuity offers a chance for a higher return but comes with more risk and payments in retirement are performance based.

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