annuityAnnuities Are Income for Life.

You've worked hard. You deserve the comfort and peace of mind knowing you'll be cared for during the rest of your life-even if you live to be 100. That's where income annuities come in. Every annuity is designed to provide guaranteed lifetime payments. All of our annuity carriers are highly-rated insurance companies with home offices in the United States.

We only sell products that deliver a return of investment to you or your beneficiaries. Even if you purchased an annuity today and passed tomorrow, your loved ones will receive every penny of the money you invested.

The term "annuity" relates to a contract between you and a life insurance company. All U.S. insurance companies are highly regulated and audited annually.

Types of Annuities

Fixed

This annuity contract earns a stated interest rate (fixed interest rate) offered by the insurance company. Alternatively, the interest rate may be calculated in a manner specified in the annuity contract. No matter how the interest rate is calculated, the investor knows exactly what the future returns or income stream the annuity contract will produce because the applicable rates are set at the time of purchase and never change.

Simply stated, fixed annuities are guaranteed lifetime income. Those planning for retirement are facing difficult times after the sting of stock market losses, reduced or canceled dividend payouts, and financial market uncertainty affecting corporate and government bonds. A guaranteed lifetime income is a secure, guaranteed, and smart investment for your money.

Fixed Index

This is an offshoot of a fixed annuity where the interest rate is based on an outside index such as a stock market index like the S&P 500 or the Dow Industrial Index. The annuity pays a base return rate, such as 3%, but the returns may be higher if the index returns greater than the base return rate.

A fixed index annuity guarantees a minimum interest rate if held to the end of the surrender term and protects against a loss of principal. This is a smart choice for an annuity, and returns may be higher than fixed instruments such as CD's, money market accounts, and bonds. Fixed indexed annuities provide all the protections afforded by life insurance policies and are backed by our financially sound U.S. institutions listed.

My annuity gained 17% in the
first year!

-Gary B.

Another Advantage of Annuities
Our insurance carriers receive the highest financial ratings.
Company S&P Rating AM Best Rating Moody's Rating
Allianz Life &
Annuity		 AA A A2
American
General Life		 A+ A A2
American
National Life		 A A  
Aviva Life &
Annuity		 A+ A A1
Genworth Life &
Annuity		 A A A2
John Hancock AA- A+ A1
Liberty Life A- A  
Company S&P Rating AM Best Rating Moody's Rating
Lincoln National
Life
 AA- A+ A2
MetLife Insurance Co. AA- A+ Aa3
Mutual of Omaha A+ A+ A1
Pacific Life &
Annuity		 A+ A+ A1
Principal Life
 A A+ Aa3
Prudential Insurance Co
of America		 AA- A+ A2
Symetra Life Insurance Company A A A3

How much can you be earning with an income annuity?
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Is an annuity right for me?

What is an Indexed Annuity?

A fixed indexed annuity (FIA) provides the best solution today for both retirement savings accumulation as well as risk-free, guaranteed lifetime income. When you transfer your current savings into a FIA, your account immediately benefits from a cash bonus. In addition, your savings grow risk-free and guaranteed for as long as your policy is in deferral. FIA's are linked to major indexes such as the S&P 500, NASDAQ or Eurostoxx. When these indexes return positive results, your account is credited with those gains. However, you will never be penalized if the markets lose. That's because indexed annuities never decrease in value when the market declines. Your policy only credits gains for any particular year.

In addition to market gains, FIA's also offer a guaranteed fixed rate of return if you select lifetime income. For as long as your policy remains in deferral, it accumulates interest at a guaranteed rate, no matter what happens to the market. When you decide to begin your lifetime payments they will be based on the accumulated value of your account. Those payments continue to you for as long as you, or you and your spouse, shall live. You cannot outlive the payments and will never have to worry about running out of money in your latter years.

After 5 years I've gained nearly 35% even with the down market. My lifetime income will now be much higher than I ever thought.

-Sandra C.

Here are examples of two actual recent policies.

1Amount Invested $100,000
  • 8% Immediate Bonus$8,000
  • 7% Guaranteed Annual Return$7,000
  • Year 1 Accumulation Value$115,000
  • Year 2 $122,000
  • Year 3 $129,000
  • Year 4 $136,000
  • Year 5 $143,000
  • Annual Payout Year 6 - Life$7,150 per year
  • Total Payouts after 25 years $178,750
2Amount Invested $400,000
  • 10% Immediate Bonus$40,000
  • S & P 500 Index Link - $TBD
  • 8 Year Deferral Accumulation Value $650,080
  • $52,540 per year for 15 years.
  • Total Payouts after 15 years with 8 year deferral $788,100

If you are comparing rates of return, your current retirement account would have to earn at least 7.5% per year, every year, for 5 consecutive years just to match this offer. And, any and all broker fees, transaction costs and management charges would act to reduce your earnings. Over the past five (5) years, the Dow Jones Industrial average rose less than 1% in total. For the past 10 years, the increase was only 1.7.

Perhaps the most important aspect of a FIA is the guarantee of no losses - ever. Your investment grows at a declared rate and is locked in for ten years. You will know exactly what your lifetime payout will be from inception based on the number of years you choose to defer the starting date. Coupled with the ability to take up to five (5) 10% tax-free withdrawals, you have the best of both worlds - guaranteed growth with income as well as liquidity. That means you can access up to 50% of your account, tax free, for any purpose you choose.

What if you invested $100,000?
  • $112,885
  • $120,787
  • $129,242
  • $138,289
  • $147,969
  • $158,327
  • $169,410
  • $181,269
  • $193,957
  • $207,534
  • Year 1
  • Year 2
  • Year 3
  • Year 4
  • Year 5
  • Year 6
  • Year 7
  • Year 8
  • Year 9
  • Year 10
Total Accumulation after 10 years: $207,534. Guaranteed risk free payments after 25 years: $285,350.
*Chart reflects the accumulated value of an insured fixed indexed annuity over 10 years. Rates can vary from time to time. Please contact us for your personalized guaranteed proposal.

 

 

 

Fixed Indexed Annuities

Benefits vs."Other Retirement Products"
  • 1 Life Insurance Product
  • 2 Guaranteed Income and Growth
  • 3 Tax Deferral
  • 4 Guaranteed Death Benefit
  • 5 Guaranteed Accumulation Values
  • 6 Indexed Growth Linked to S&P 500
  • 7 No downside risk of losses
  • 8 Up to 10% Immediate Bonus
    on Premium Invested
  • 9 Penalty Free Withdrawals after Year 1
  • 10 Total Cash Out Options
  • 11 Nursing Care Benefits
  • 12 Guaranteed Lifetime Income

Annuity = Guaranteed

Eliminate uncertainty and live life to its fullest. The products we offer can guarantee you a check every month-for the rest of your life. Even if you live to be 100, enjoy every day with the peace of mind knowing that no matter what happens, you'll have a check coming in every month.

Income For as Long as You Live.

"Guaranteed income for life" refers to annuities designed to give lifetime payments, as fixed annuities, to you the purchaser (or the beneficiary of your choosing). All of the annuities are offered by highly-rated insurance companies. What this means is simple: security and peace of mind. Annuities offer a contractual guarantee that an insurance company will make agreed-upon payments for as long as you live. Additionally, you have the peace of mind of knowing that every month you will receive your benefit payment.

Guaranteed Return on Investment

All YOR annuities provide guaranteed rates of return on your investment. Both immediate (starting within 1 year) and fixed indexed annuities cannot decrease in value due to downturns in the stock market, mutual funds or commodities such as gold or silver. You will know at the time of purchase how your lifetime benefits will be paid to you. Safe and 100% secure with highly competitive rates of return-all with no market downside risk and guaranteed for life!

3 Easy Ways to Purchase

1.

Order online

We offer convenient, secure purchasing options that let you choose your annuity in a discrete setting.

2.

Call and receive your annuity

Our financial representatives are ready to offer advice and set you up with your annuity today. Call us at 866-677-PLAN (7526).

3.

Face to face

We'll sit down with you in your own home or business. If you're unsure if an annuity is right for you, or you'd like more information on the types of annuities we offer, we'd love to talk about it in a more personal way. Please contact us to set up an appointment.

How much can you be earning with an income annuity?

Click here and try our calculator.


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