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The Standard Fixed Annuities

Since 1906, The Standard has a reputation for serving quality products, expert resources, and superior services to their clients. In the July 2013 issue of Best’s Review, Standard Insurance Company was recognized for maintaining an “A” rating or higher from A.M. Best Company since 1928. Offering a wide variety of products, the Standard specialized in retirement products such as fixed annuities.

Fixed annuities are commonly used as a tool to protect retirement savings. It is a conservative retirement savings option that helps to provide a steady guaranteed stream of income. They are intriguing to those in retirement because they are considered to be low risk, and help to provide protection and security for their future.

The Standard offers five different annuity products tailored to meet the needs of each unique retirement situation. Below are some benefits and features for each of their products.

 

 

1. Advantage Growth
   • Interest rate bonus of 2% for first contact year
   • Interest rate lock
   • No taxes due until withdrawals are made
   • Market Value Adjustment feature

 

2. Principal Growth
   • Interest rate bonus of 1% for first contract  year
   • Bailout guarantee
   • 100% principal guarantee
   • Interest rate lock
3. Secure Rate
   • Competitive interest rate guarantees
   • Interest rate bonus and bailout guarantee on Secured Rate Annuity 1 Only
   • 100% Principal guarantee
   • Interest rate lock
4. First Rate
   • 100% Principal guarantee
   • Interest rate guarantee
   • Premium payment is credited an additional 2% interest
5. FPDA
   • 100% principal guarantee
   • Interest rate guarantee
   • Flexible payments

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SBLI Fixed Annuities

Since 1907, SBLI has protecting millions of families with their affordable, and dependable insurance. By 1953 the company’s assets reached $100 million, and exceed $2 billion by 2007. SBLI has a long standing history of financial strength and offers a wide range of products to meet the needs of all individuals.

Fixed annuities are commonly used as a tool to protect retirement savings. It is a conservative retirement savings option that helps to provide a steady guaranteed stream of income. They are intriguing to those in retirement because they are considered to be low risk, and help to provide protection and security for their future.

SBLI’s Optimizer Fixed Annuity Series provides tax-deferred growth on your premium payment and interest earrings. Some additional benefits are:

-Competitive interest crediting rates

-Penalty free withdrawals

-Access to funds during critical events

-Variety of income options

-Direct payment to beneficiaries

 

The Optimizer Series offers four different products that vary by interest rate guarantee periods and surrender charges. Market value adjustment is only offered on Optimizers 2 MVA, 3 MVA, and 5MVA. The Optimizer Series is available in all states except California, Montana, and New York.

 

1. Optimizer 1 Non MVA

• No market value adjustment
• 1 year interest rate guaranteed period
• First year surrender charge at 9%

 

2. Optimizer 2 MVA

• 2 year interest rate guaranteed period
• First year surrender charge at 8%

 

3. Optimizer 3 MVA

• 3 year interest rate guaranteed period
• First year surrender charge at 9%

 

4. Optimizer 5 MVA

• 5 year interest rate guaranteed period
• First year surrender charge at 9%

 
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Principal Financial Fixed Annuities

Principal Financial Group has been helping clients achieve financial security and success since 1897. In October 2001 the companied filed IPO and became a publicly traded company. Principals Financial offers a wide variety of retirement options including annuities for those in or near retirement. By choosing a fixed annuity from Principal Life Insurance Company, you will avoid stock market volatility and you select an income option that guarantees income for life.

Fixed annuities are commonly used as a tool to protect retirement savings. It is a conservative retirement savings option that helps to provide a steady guaranteed stream of income. They are intriguing to those in retirement because they are considered to be low risk, and help to provide protection and security for their future.

Principal Financial Group offers their Flexible Premium Deferred Annuity Plus. Below are a few benefits you will receive from their product.

-Guaranteed return of principal

-Guaranteed interest rates

-access to your money

-Probate simplification

-Automatic IRS minimum distribution notification
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North American Company Fixed Annuities

North American Company was founded in 1886 and continues to help protect their clients and maintain financial security. The privately held company continues to invest in new products, grow distribution, and enhance their services. They offer a variety of products for individuals to help them achieve their long time financial goals, such as fixed annuities.

Fixed annuities are commonly used as a tool to protect retirement savings. It is a conservative retirement savings option that helps to provide a steady guaranteed stream of income. They are intriguing to those in retirement because they are considered to be low risk, and help to provide protection and security for their future.

To fulfill the needs of each individuals, North American Company offers three different fixed annuity products:

1.)   Flex Series

• Receiving premium bonus during the first 5 contract years (varies by product)
• Tax deferred growth
• Death benefits and family protection
• Penalty free withdrawals

2.)   Boomer Annuity

• Awarded 5% bonus on premium received in first 5 years
• Tax deferred growth
• Death benefits and family protection
• Guaranteed income stream

3.)   American Director

• 5 year granted on initial premium
• 9 year surrender charge period
• Interested rate bonus on all first year premiums
• Tax deferred growth
• Additional riders

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Minnesota Life Fixed Annuities

Founded in 1880, Minnesota Life and Securian Financial Group affiliates provide financial services to over 12 million people throughout the nation. They offer a variety of products for individuals to help them achieve their long time financial goals, such as fixed annuities.

Fixed annuities generate a guaranteed stream of income for your retirement. They help to accumulate your retirement assets, and when you are ready there are multiple options for receiving your income.  Some benefits of choosing a fixed annuity are:

-Safety and protection

-Guaranteed interest rates for a set period of time

-Tax deferral

-No IRA contribution limits

-Variety of income options

 

Minnesota Life offers two fixed annuity products:

 

1.)   SecureOption Focus

• 1,3,5, or 7 year interest rate guarantee period
• Minimum initial purchase payment of $10,000
• Minimum withdrawals of $250 available at any time
• Various income options

 

2.)   SecureOption Select

• 5,7, or 9 year interested rate guarantee period
• Minimum initial purchase payment of $5,000
• Minimum guaranteed interest rate of 1.5%
• Minimum withdrawals of $250 available at any time

 
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Jackson National Life Fixed Annuities

Jackson National life Insurance Company is a family-owned company that was founded in 1961. By 1982 their annuity sales tripled from $50 million to $162 million. They were ranked the #1 seller of annuity in the US during the 3^rd Quarter in 2013, and was the 7^th largest seller of fixed annuities during this time.

Fixed annuities are appealing to those in or near retirement because they help to build income without exposure to market volatility. Jackson offers a wide range of fixed annuities products with competitive long-term interest rates. Depending on your retirement needs you can choose between a guaranteed income for life, or for a set period of time.

Jackson National’s fixed annuity products may differ by:

-additional first year interest rate

-adjustment to early withdrawals

-liquidity options

 

There is a wide range of products offered that are designed for the long term needs for every client’s situation:

 

1.)   Action Family

• First year additional interest rate
• Steady tax deferred earnings
• Nine year withdrawal charge schedule
• Guaranteed death benefits for family protection

2.)   BonsuMAX Family

• First year additional interest rate
• Steady tax deferred earnings
• Nine year withdrawal charge schedule
• Guaranteed income benefits for life or period selected
• Guaranteed death benefits for family protection
• Up to 10 or 15% free withdrawal options without withdrawal charges or excess interest adjustments

3.)   MAX Family

• Some products offer first year additional interest rate
• Steady tax-deferred earnings
• 6 Year withdrawal charge schedule
• Guaranteed death benefits for family protection
• Up to 10 or 15% free withdrawal options without withdrawal charges or excess interest adjustments

4.)   SuperMAX Family

• Steady tax deferred income
• Nine year withdrawal charge schedule, plus adjustment o early liquidity of funds that reflect changes in market interest rates
• Guaranteed income benefits for life or period selected
• Guaranteed death benefits for period selected

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Genworth Financial Fixed Annuities

Genworth Financial Fixed Annuities

 

Genworth Financial, Inc. is a publicly traded global financial security company present in more than 20 countries that has been ranked in the Fortune 500. Genworth offers a variety of financial tools for various purposes.  Genworth Financial has been in business for a long time and they still continue to provide stability and support to their policyholders.

Fixed annuities are commonly used as a tool to protect retirement savings. It is a conservative retirement savings option that helps to provide a steady guaranteed stream of income. They are intriguing to those in retirement because they are considered to be low risk, and help to provide protection and security for their future.

Genworth Fixed Deferred Annuity suite called “SecureLiving” offers a variety of products and features for their clients. The products vary based on the following:

-Initial interest rate guarantee terms

-Tax-deferred growth

-Bailout feature

-Interest crediting

-Allowable premiums

-Withdrawals

-Surrender Charges

 

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Annuity Basics

 

This page is meant to help you to learn about the basics of annuities.

We start with a basic definition and the tax advantages of annuities.

“What is an annuity?”
An annuity is a financial product that accumulates interest on a tax-deferred basis.  It also provides for systematic annuity payouts at whichever schedule is selected and allowed for in the annuity contract. An annuity contract is not a life insurance policy or a health insurance policy. It is not an investment product, savings account or savings certificate, and it should not be bought for short-term purposes.

Types of Annuities:

The differences between annuities can be seen in the following areas:

1. When Benefits are Received.
   Annuities may be either immediate annuities or deferred annuities.  Immediate annuities provide income payments that start shortly after you pay the annuity premium. Deferred annuities provide income payments that start at a later date. The main reason for buying an immediate annuity is to obtain an immediate income stream, generally for retirement income purposes. The most common reason that someone would purchase a deferred annuity is to accumulate money in a tax deferred manner which can then provide an income at a later date.
2. Method for paying premiums.
   Annuities may be purchased in a manner where there is only one premium payment or an annuity can be purchased that has multiple payments over time. Single premium contracts require you to pay the company only one premium. Other annuity contracts are designed for a series of premiums that typically lasts for multiple years. Most of these installment payment annuity contracts are flexible premium contracts. You pay as much as you wish whenever you wish, within specified limits.  Some are scheduled premium contracts that specify the size and frequency of your premiums.
3. Fixed Indexed
   Annuities may be fixed or indexed, or a combination.

Fixed Annuities
The insurance carrier declares a current rate of interest, guarantees a minimum rate of return, and guarantees the premium.

 

How much money should I put into an annuity contract?  The following are key questions to ask and answer.

• How much income will I need from the annuity while in retirement, in addition to Social Security, pension savings and other investments?

• Am I the only person that needs income or will there be a spouse that also needs income?

• If I make installment payments, how much can I afford from a cashflow standpoint?

• How does the annuity fit into an overall financial strategy?  Is it right for me in my specific situation?

Buying an annuity contract is a major financial decision which should be considered carefully.

1. Be certain that you clearly understand all expenses/fees/charges that exist in the contract and understand how this will impact the efficiency of the annuity contract.
2. Make sure that you do not get into an annuity contract that you ultimately cannot afford.
3. Look to see if the annuity will allow for flexibility, allowing you to make changes to the amount that you pay into the contract, the frequency for when you can pay, etc, etc.
4. Do an analysis of annuities that multiple carriers offer.  The market is competitive and with the proper amount of “shopping”, you might end up with a contract that is better suited for you (with lower fees/charges, etc.).  We can help you to do this.
5. If the annuity is meant to be purchased inside some type of a tax qualified account, please make sure that you qualify.  Speak with your tax accountant for clarification on if you qualify.  Consider the fact that if you are making payments for years that your tax situation could change.

 

Popular Advantages of Tax-Deferred Annuities
Annuities can have favorable tax advantages when compared to some other strategies. Interest on checking and savings accounts, dividends from stocks and rental income from real estate is typically immediately taxable in the year earned.  Interest that is credited in a tax deferred annuity is not taxed until the money is withdrawn.

Tax-Deferred Compound Growth
Deferral on taxes of growth in the annuity can make it an advantageous financial product when compared to other more typical taxable investment options.

Tax Timing
In addition to deferring taxes and earning interest on money which would otherwise be paid as taxes – you may also exercise some control over the timing of taxation.

In early retirement years, you may have sufficient income from qualified retirement plans, rental income, or part-time work. If you don’t need additional income from the deferred annuity, or if you want to delay taxation until later retirement years when taxable income may be less, distributions can be simply postponed. Of course, IRS minimum distribution requirements must be met with a qualified annuity.

Withdrawal Flexibility
You not only have the flexibility to choose when you begin withdrawals, but the flexibility to choose how:

• As a lump sum distribution less withdrawal charges;
• As an income for a specific number of years;
• As an income for as long as you live;
• As an income for as long as you or your spouse live.

This flexibility also means decisions don’t have to be locked-in today which might prove inappropriate years from now.