Older couple enjoying the sea view from their home
The contract defines the guarantees, the charges and access to your funds.

Annuities

An insurance contract for your retirement years.

An annuity is an insurance contract. Certain annuities can be used for accumulation or retirement income goals, depending on the contract, the liquidity you need and your time horizon.

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+1 (407) 223-8678 Talk to a licensed agent
  • An insurance contract
  • Accumulation or retirement income
  • Licensed insurance agent

How we review it

Five questions before a contract.

An annuity is understood through its contract. We go through it with you before any decision.

  1. Older couple reviewing their finances at home
    An annuity is an insurance contract, not a guaranteed investment.

    Understand

    What is an annuity?

    A contract with an insurer. Depending on the type of contract, it can be used to accumulate over a period of time or to receive income in retirement.

  2. Jar of coins with a growing plant
    Your time horizon and your liquidity matter as much as the goal.

    Define

    What goal it should meet.

    First we clarify what you need it for and over what time frame:

    • Accumulation

      A period during which the contract grows according to its terms.

    • Retirement income

      Periodic payments under the contract's options.

    • Liquidity

      How much you need available, and when.

  3. Advisor reviewing a retirement plan with an older couple
    Guarantees depend on the claims-paying ability of the insurer.

    Review the contract

    What the contract defines.

    Guarantees, surrender periods, charges, access to funds and income options depend on the contract and the insurer. We review them one by one:

    • Guarantees

    • Surrender period

    • Charges

    • Access to your funds

  4. Older couple smiling on their terrace at sunset
    No promises of returns: the contract is what counts.

    Decide

    With clear information.

    You decide whether an annuity contract makes sense for you, knowing what it guarantees, what an early withdrawal costs and how you would receive payments.

    • An informed decision

    • Application and contract

    • Support throughout the process

  5. Older couple sitting by the lake at sunset
    What you build today should be able to carry on tomorrow.

    Review

    As each stage approaches.

    Before a surrender period ends, or when it is time to receive income, we review with you the options the contract gives you.

    • Contract dates

    • Income options

    • Follow-up

Annuities

What do you need your money to do in retirement?

Let's review your goal, your time horizon and the liquidity you need before talking about any contract.

Talk to Diana
+1 (407) 223-8678 Talk to a licensed agent

The goal first. Then the contract.

The information on this page is general and educational. An annuity is an insurance contract; it is not a bank account or a guaranteed investment. Guarantees, surrender periods, charges, access to funds and income options depend on the contract and the insurer, and guarantees depend on the insurer's claims-paying ability. The tax treatment of distributions depends on the type of plan, the cost basis and the form of distribution; consult your tax professional.