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Compare Annuity Insurance, Annuity Plans in Central Florida


The following question can help you determine whether an indexed annuity is a smart addition to your retirement portfolio.

  1. Would you like the opportunity to participate in market growth while protecting your principle and earnings?
  2. Have you contributed the maximum to your employer-sponsored retirement plan (e.g. 401(k) plan) and/or an IRA and want additional tax-deferred investments? click on the blue link for an example of tax deferred growth)
  3. Would you prefer to defer paying taxes on your interest earnings?
  4. Do you anticipate a lower income tax bracket when you retire?
  5. Do you want your heirs to have assets that avoid probate?
  6. Do you want additional investments that are protected from creditors?
  7. Are you under 591/2 years old with a 401(k) or other employer-sponsored retirement plan that you wish to roll over and want to avoid the penalty tax?

Answering yes to some or all of these questions may mean an annuity is a wise investment for you.

Indexed Annuities are insurance products that, as an investment, fit between CD’s and stock market equities in both volatility and growth potential. While stocks have a greater potential return, they also have a much greater potential for loss. In the 50 year period from 1957 to 2007 there have been 14 down years. In 2000 & 2001 the market declined 46%. If that happened to you, it would take 6.6 years at 10% growth for you to be back to break even. If you had an indexed annuity you would have suffered no losses during that period and been moving forward again in 2002.

Modern Annuities are purchased more frequently for their accumulation advantages than for their distribution characteristics. If you are looking for comfortable retirement growth without fear of losses, with principal protection & interest protection, a fixed or indexed annuity product may be right for you.

“Remember, you can’t get to the Golden Years without the Gold”

For a more detailed look, please click on this link to an Article on "The Power of Tax Deferral"

What did you have in mind? Let’s find a solution together. For more information on this and other subjects call Bruce at 407-765-9444 or fill out the form on our Contact Page. You may also refer to out Learning Center on this subject in the menu on the left.


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