About Annuities

 Annuities are long-term financial tools designed to provide steady, guaranteed income—often during retirement. They’re issued by insurance companies and can offer protection against outliving your savings, shielding you from market risk, and even providing legacy benefits for your loved ones.

There are different types of annuities to meet different goals:

• Fixed annuities offer predictable payments and principal protection
   
• Indexed annuities link to market performance with limited downside risk
   
• Variable annuities offer market exposure with investment flexibility
   

Annuities can be especially beneficial for:

• Pre-retirees and retirees looking to create a reliable income stream
   
• Individuals without pensions who want to supplement Social Security
   
• Anyone seeking tax-deferred growth on retirement savings
   
• Those with lump-sum savings they want to convert into long-term income
   

A licensed agent can help determine whether an annuity fits into your financial plan, explain the options available, and clarify any fees, riders, or payout structures. With the right guidance, annuities can be a powerful tool for building long-term financial security.

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