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Also called income annuities and pension annuities, and are the original design of the annuity that dates back from the Roman times. Annuity comes from the word “annua” which means payments, and Roman soldiers and their families were paid a lifetime income stream from these types of annuities. This simplistic and efficient structure exists to this day, and is still arguably the best value and pro-customer annuity available.

How to determine if you need an annuity

Do I need an Annuity image

Most people are vaguely familiar with annuities, and many have been pitched an annuity from an advisor or on the internet.  What needs to be answered before you start falling for the too good to be true sounding sales hype is a very basic, but critical question; "Do I even need an annuity?"

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Annuities Spotlight10

Income Later Annuity Strategies

Income Later Annuity Strategies or Target Date Annuity Planning allows you to start a guaranteed income stream at a future date.

Income Now Annuity Strategies

Income Now Annuity Strategies provide guaranteed income by transferring that risk to the annuity carrier to create a personal pension plan for you.

Charitable Gift Annuities

Charitable Gift Annuities guarantee a lifetime income stream while providing tax benefits by donating money to a charity or non profit.

Swiss Annuities

Swiss Annuities allow you unrestricted investment opportunities within a Swiss based annuity structure.

Medicaid Annuities

Medicaid Annuities, Medicaid Annuity, Medicaid Annuity Planning

Rated Single Premium Immediate Annuities

Rated SPIAs or Age Rated SPIAs can provide a higher payout because your life expectancy is proven to be less due to health related issues.

Variable Annuities

Variable annuities use separate accounts (mutual funds) as a primary growth component with the ability to add attached riders to provide guarantees.

Contingent Deferred Annuities

Contingent Deferred Annuities provide an income guarantee without having to buy an annuity. CDAs can be attached to a stock or bond type portfolio.

Fixed Index Annuities

Fixed Index Annuities (FIAs) are also called Equity Indexed Annuities or just Indexed Annuities and are a call option on an index like the S&P 500

Single Premium Immediate Annuities

Single Premium Immediate Annuities (SPIAs) are the original design of the annuity that dates back from the Roman times.

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