Annuities

• Excellent vehicle for accumulating assets.
• Interest earned is 100% tax-deferred.
• Some may provide a stream of guaranteed lifetime income during retirement.

Several annuities are available, some with guaranteed rates for a specified period, others with rates that adjust to reflect the current market conditions.

Equity Indexed Annuity (EIA)

• Ties interest earnings to a stock market index, such as the S&P 500. This allows the owner to participate in stock market growth, yet these products provide a guaranteed return on principal, meaning the owner can never lose premiums paid to the EIA.