Q: I want to know what interest rate my investment will be before I purchase an annuity. Should I choose a fixed, equity Index or variable rate annuity?

A: You want a Fixed rate annuity or Fixed Index annuity (previously called Equity Index annuity). The earnings are tax-deferred.

With fixed annuity the return rate is stated up front as part of the investment process. Fixed Index Annuity is a fixed annuity product with flexible allocations linked to indexes.

Q: What return rate do I get with a  Fixed Index annuity (FIA)?

A: Your return rate has fixed rates and Index's allocation options that link to S&P 500 index, S&P 400 Index, NASDAQ-100 Index, Russell 2000, etc.
The returns are based upon the performance of an equity market index that you choose. Your principal investment is 100% guaranteed and protected from losses in the stock market, while gains add to the annuity's returns. There is no management fee and no sales fee.

Q: What return rate do I get with a variable rate annuity?

A: Your return rate depends on the performance of the stocks and bonds your money is invested in. It is important to remember that your return is not guaranteed and principle is not protected from losses. You will pay more in fees to manage your funds.

Q: My retirement is still many years away, but I want to save more than I can contribute to my 401(k). What sort of annuity should I get?

A: You should look into deferred annuities, which will provide you with income once you retire, whenever that may be.

How can I find out more?

You can fill out our quote form , or call 818-235-8686 to talk to our agent that will be ready to answer all your questions. Also when you fill out our free, no obligation quote you get our booklet "Insider's guide to Annuities".

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