Annuities
Common Uses for Annuities
Retirement Income Planning - Replace your paycheck in retirement with guaranteed monthly income that lasts as long as you live.
Supplementing Social Security - Bridge the gap between Social Security benefits and your desired retirement lifestyle.
Legacy Planning - Provide guaranteed income for a surviving spouse or pass remaining funds to beneficiaries.
Tax-Deferred Savings - Grow retirement savings beyond traditional IRA and 401(k) contribution limits.
Market Protection - Protect a portion of your retirement portfolio from market losses while maintaining growth potential.
Types of Annuities
Immediate Annuities: Start paying income right away, typically within a year of purchase.
Deferred Annuities: Allow your money to grow for years before income payments begin.
Fixed Annuities: Provide guaranteed interest rates and predictable growth.
Variable Annuities: Offer investment options with potential for higher returns but also more risk.
Indexed Annuities: Combine guaranteed minimums with potential for market-linked growth.
Is an Annuity Right for You?
Annuities work best for people who:
- Want guaranteed retirement income
- Have maxed out other retirement accounts
- Are concerned about outliving their money
- Seek protection from market volatility
- Want tax-deferred growth opportunities
Let Pinnacle Family Insurance Guide You
Annuities are complex financial products with many options and features. Our experienced agents will help you understand how annuities fit into your overall retirement strategy and find products that align with your goals and risk tolerance.
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