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Indexed Annuities

Protect your retirement dollars with an Indexed Annuity.
Indexed Annuity

A Fixed Indexed Annuity: The Safe Way to Protect Your Retirement Dollars

Fixed Indexed Annuities are insurance contracts between the insurance company and policy owner. You pay a lump sum of money or periodic payments into this plan. In return the interest rate earned is based on a specific stock market index, such as the S&P 500, which determines the performance of your investment. These are designed to provide a steady stream of income (just like a pension) during your retirement years. Annuities can be one of the best options for those who want to ensure they have a sufficient retirement income.

The benefits of Fixed Indexed Annuities are plenty. They provide an excellent way to protect your retirement dollars from market losses, while still having the potential for growth. Fixed Indexed Annuities also offer tax-deferred growth, meaning that the interest earned on your investment is not taxed until you withdraw your money. You cannot lose any principle or previously credited interest earned during a down year on the index. During a down year which will happen you can rest assure that “Zero Will be Your Hero” during a time like this.

Benefits of an Indexed Annuity

The benefit of these policies includes:

  • The potential for a higher rate of return on the invested funds.
  • Protects the principal and previously credited interest
  • Increases in value are tax-deferred.
  • Guarantees income, whether monthly or lump-sum payout for retirement.
  • Customizable to match individual needs.
  • A death benefit provision that allows the policy owner to designate a beneficiary to receive the remaining funds in the account or a guaranteed minimum.

At the Shanley Insurance Agency, we understand the importance of protecting your retirement savings. We can help you understand how Indexed Annuities and Fixed Indexed Annuities work, and to help you make informed decisions about your retirement investments. Contact us today to learn more about how we can help you plan for a secure retirement.

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