Annuity Information

We offer innovative fixed annuity products that can help you accumulate
savings for retirement or convert your retirement savings into a series of
guaranteed income payments spread out over a specified period of time.
An annuity offers unique benefits such as tax deferral, flexible payout
options, penalty-free withdrawals, and can also help to dramatically
reduce the chances of outliving your savings

Guaranteed Income

An annuity can provide you with a guaranteed lifetime income
regardless of how long you live. Guarantees are limited to the claims-
paying ability of the issuer.

Unlimited Contributions

Unlike other tax-advantaged investments such as IRAs, you can
contribute an unlimited amount of money to an annuity during the
year, whether in periodic installments or a lump sum. Individual
insurance carriers may place a ceiling on the total amount you can
put into an annuity without approval.

Bonus Rates

Some annuities award investors with bonuses at the end of the
annuity's first year such as extra interest that further increases your
investment. Bonus rate products may impose higher fees and
charges and longer surrender periods than contracts that do not
provide the bonus feature.

No-Penalty Rollovers

Company pension or profit-sharing plan payouts may be reinvested
without incurring current taxes or penalties.

Click on the link below to fill out a contact form for receiving more
information about these fixed annuity products. Or speak with our
Financial Services specialist at 609-466-5300 to discuss the
features in detail.

No probate in case of death, as long as you specify
beneficiaries.

Which means your family will find it easier and less costly to obtain
the value of the annuity.

Shelter Investment Earnings

Retired people can use annuities to shelter investment earnings that
would otherwise lead to taxation of Social Security benefits.

A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a contract between
you and an insurance company for a guaranteed interest bearing policy with guaranteed
income options. The insurance company credits interest, and you don't pay taxes on the
earnings until you make a withdrawal or begin receiving an annuity income. Because fixed
annuities invest your premiums in interest bearing obligations, you receive a lower return in
comparison to equity indexed annuities, since interest rates historically trail stock market
returns.

Many people today are using a tax deferred annuity as the foundation of their overall financial
plan. The most important difference between an annuity and CD's is that annuities allow for
the deferral of the taxes due on the interest earned until the interest is withdrawn. By
postponing the taxes your money compounds faster because you can earn interest on
dollars that would have otherwise been paid to the IRS. Later, you can decide to take a
monthly income and your taxes will be less because they were spread out over a period of
years. An annuity has a penalty for early surrender but most annuity contracts have a limited
withdrawal provision that permits the contract owner to withdraw a certain percentage each
year without a surrender charge.

You pay no taxes while your money is compounding. You can also pay a lower tax on
random withdrawals because you control the tax year in which the withdrawals are made
and only pay taxes on the interest withdrawn.

Click on the link below to fill out a contact form for receiving more information about Tax
Deferred Fixed Annuities. Or speak with our Financial Services specialist at 609-466-5300
to discuss the features in detail.

A fixed immediate annuity, also referred to as a fixed payment annuity, provides you with a
stream of income payments from your original purchase payment. The amount of your
income payouts is determined by the guaranteed interest rate and the payout option you
select. A fixed immediate annuity can begin benefit payments as early as one month and no
later than 13 months from the date of purchase and is intended for investors who need a
guaranteed income stream to begin soon.

Click on the link below to fill out a contact form for receiving more information about Immediate
Fixed Annuities. Or speak with our Financial Services specialist at 609-466-5300 to discuss
the features in detail.

**The information, pictures, and other content in this website about particular insurance
services or financial services is only provided for informational purposes. Any decisions
regarding your insurance and financial needs should be discussed with a licensed insurance
agent or financial professional.

Investing in stocks, bonds, mutual funds and annuities does not guarantee a profit.
All of these investments can lose money. Stocks, bonds, mutual funds and annuities
are not FDIC insured.