Annuities

Multi-Year Guaranteed Annuities (MYGA) are a safe way to invest your money with a guaranteed rate or return on interest. Plans can range from a 2-10 term, with immediate annuities also available. Options without a death surrender charge available. Minimum deposits usually start around $25,000.

Flexible premium deferred annuities allow you to start saving at a lower initial deposit amount and continue adding money over time, with a fixed interest rate. Term periods can range between 5 and 8 years. This option can also serve as a way to save without required minimum distributions later.

Fixed indexed annuities can offer a higher rate of return with the guarantee of never losing money on your primary deposit. The term period is four years. There is no cap on interest rates, and no early death surrender charges. This product can serve as a safer way to play the market.