Determine Your Need for Annuities

Annuities are insurance products that can help you accumulate money for retirement and can provide you a reliable, guaranteed income in your golden years.

You might be right for an annuity if:

• You're nearing retirement age or have already retired
• You need to replace income from your regular paycheck
• You want the peace of mind that your investment won't decline in value
• You want an alternative to a certificate of deposit
• You want to build money tax deferred to use at a later date
• You have non-qualified funds to invest in a financial product

What can you use annuity payments for?

How you use annuity payments are up to you. Here are the most common uses:

• Everyday living expenses
• Supplement Social Security payments or other income sources you may have
• Fund a grandchild's education
• Contribute to charity
• Fund other insurance products

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