• Guaranteed return of your premium with most fixed annuities
  • Guaranteed interest rates unaffected by market fluctuations
  • Tax advantages with tax deferral on earnings until withdrawal
  • Flexible access to your money with free surrender privilege terms
  • Emergency access with a Waiver of Surrender Rider, for no additional fee
  • Quick death benefit payouts that pass outside of probate
  • IRS Minimum Distribution notification to help guard against excess tax



  • Competitive interest rates linked to one or more published, equity-based indices
  • Tax-deferred growth opportunities until payout
  • Guaranteed lifetime income
  • Guaranteed death benefit

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