Planning for the future with annuity coverage

An annuity is an insurance product that’s mostly used as a part of retirement strategy. Annuity products are largely chosen by investors who want to receive a steady income stream in their retirement.

Types of annuities that we offer

There are two main ways to categorize annuities: immediate vs. deferred annuities and fixed vs. variable annuities.

  • Immediate Annuity vs. Deferred Annuity: Under immediate annuity, you will get guaranteed payments that begin soon after you make your initial payment. Unlike immediate annuity, deferred payment puts off your income payments for a period of time allowing the invested money to earn tax-deferred interest.
  • Fixed annuity vs. Variable annuity: With a fixed annuity, money is placed in fixed-rate investments such as bonds, where it will earn a fixed interest rate for a certain period of time. In contrast, under variable annuity money is placed in market-based investments such as stocks, bonds, mutual funds or money markets.

We’ll take care of that

Call us at 231.941.0450 or send us an email at to learn more information on insurance annuities. Our resourceful insurance professionals will help answer all of your questions.

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