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| Long
Term Care |
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a plan to suit your
individual needs. You
have a choice of Home
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| Investment
Basics |
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What’s
Your Investing
Style?
Before
deciding where to
invest your money,
you need to know
how much risk is
right for
you.
In
how many years do
you expect to
start using this
investment?
What
plans do you have
for this money
during the next 10
years?
How
do you expect to
use the money from
this investment in
the future?
How
concerned are you
about the value of
your investments
relative to
inflation?
In
case of an
emergency, do you
have savings equal
to at least six
months of your
total monthly
expenses that you
can use, apart
from the amount
you will invest
here?
What
investment
strategy describes
you you feel...
slow and steady is
the smart way to
get ahead or risk
is the best way to
lead the pack? Or
maybe somewhere in
between?
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Annuities
How
Fixed Annuities Can
Help Your Money Last
A
fixed annuity is a
tax-deferred
investment tool that
can help you
accumulate assets for
retirement. Like other
annuities, fixed
annuities can help
provide the security
of a lifetime income
(if you choose that
payout option).
But
fixed annuities differ
from variable and
other types of
annuities in the way
your money
accumulates. Your
annuity contributions
earn a fixed rate of
interest that remains
the same for a
specific period of
time. This means that
your investment will
receive an annual
return and ensures
that your money will
be there when you need
it.
The
Basics
Depending
on the fixed annuity
you purchase, you may
pay a single premium
or have the option of
paying periodic
premiums to your
annuity over time.
When you make your
initial purchase, the
company from where you
purchased your annuity
declares a fixed rate
of interest, which
your annuity will earn
for a specific period
of time. At the end of
that period, the
company will declare a
new interest rate.
Generally these rates
are competitive
relative to current
market conditions.
Your annuity provider
may also offer a
guaranteed minimum
interest rate, so your
account will always
earn some interest, no
matter what is
happening in the
larger economy.
Some
fixed annuity policies
offer bonus interest
during the first year
of the annuity. Others
reward investors who
purchase a policy with
a larger contribution
with a better interest
rate.
The
interest your annuity
earns is tax-deferred.
This means that you
don’t owe income tax
on your investment
earnings until you
withdraw
money—usually when
you are retired. If
your fixed annuity is
part of a qualified
investment plan (such
as an IRA or 401(k)
plan), you may also
get a tax break on
your contributions.
Qualified plan
investors can
contribute pre-tax
dollars to their
annuity. However,
there are limitations
on the amount you can
contribute annually.
And you will
eventually owe taxes
on the money you
contribute at the time
you withdraw it.
Retirement
Income
At
some point—probably
after you’ve
retired—you’re
going to want access
to your money.
Annuity
owners may choose to
receive regular income
checks (a process
called annuitization).
Your annuity will
usually offer you one
of several payout
choices such as:
-
Income
checks for a
specific number of
years, such as 10
or 20 years;
-
Income
for the rest of
your life;
-
Income
for the rest of
your life and your
spouse’s; or
-
Income
for the rest of
your life with a
specific number of
guaranteed
payments, and if
you die
prematurely,
remaining payments
to your
beneficiary.
The
amount of each check
you receive depends on
the payout option
you’ve chosen, the
amount of money you
contributed to your
annuity account, and
the amount of interest
your account is
earning during the annuitization
phase – when your
money is earning
interest.
Once
you begin to withdraw
money from your
annuity, you will owe
income tax on your
annuity’s earnings*.
But if you are no
longer employed
full-time, you are
likely to qualify for
a lower income tax
bracket than during
your peak earning
years.
Or,
rather than receiving
regular income
payments, you can
simply make occasional
or periodic
withdrawals from your
annuity. Keep in
mind that this choice
comes with a tax
disadvantage.
The IRS views all the
money that comes out
first as earnings,
rather than as a
combination of
earnings and
contributions.
As such, that money
will be taxed at
ordinary income tax
rates.
Early
Withdrawals
If
you need to withdraw
money from your
annuity prior to
retirement, you may
have access to it
without paying a
withdrawal fee. Most
fixed annuity policies
restrict withdrawals
during the early years
of your annuity. But
after a period of
time—usually between
3 and 10 years—you
may be able to
withdraw a portion of
your account without
incurring withdrawal
fees. Typically
withdrawal fees
decrease the longer
you own your annuity.
Some fixed annuities
allow you to withdraw
funds without paying a
withdrawal fee if you
are confined to a
hospital or nursing
home. You will have to
pay taxes on any
earnings that are
withdrawn*.
You
may still have a few
questions about fixed
annuities. We can
provide you with
answers and help you
choose a fixed annuity
or other product that
will help your meet
your needs.
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| The
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We
serve all of Florida's
insurance needs. We can
provide you with the
information that can aid you
in making informed decisions
concerning your insurance
needs. Our aim is to
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Security,
Protection
and
Peace of Mind |
| Start
getting answers to
your questions
now. No
matter what
insurance you buy
or where you buy
it, ask yourself:
Why
do I need this
insurance?
What
should I consider?
How
do I choose the
right company?
What
are my coverage
options?
What
about discounts
and savings?
That’s
what insurance is
all about. No
one likes to think
about “what if,” but
you can help
prepare for your
future by being
insured.
Whether you’re
looking to insure
your home, auto,
life or business,
insurance can help
protect you as
well as your
property.
Give yourself
peace of mind by
making sure
you’re covered. |
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Don't
Wait Until You Have A Loss!
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| In
today’s market you have a lot of
options in choosing an insurance
company but remember, not all
insurance coverages or companies are
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