Annuities are the perfect investment tool that are Safe, Sound and Secure. Annuities offer competitive interest rates and dependable minimum guarantees for the life of the contract. Rate can increase if interest rate increase.

CD type annuity offers many of the same features of a certificates of deposit. The difference is certificates of deposit are issued by banks and credit unions while annuities are issued by insurance companies. Certificates of deposit are insured by FDIC and annuities are protected by state guarantee funds.

Another difference is annuities can be rolled over without triggering a tax event as you would with a CD. Annuities can use a 1035 tax-free exchange to move to another annuity or from a taxable life policy.

A third difference is that you can make partial withdrawals from an annuity. Unlike a certificate of deposit , with an annuity you can withdraw up to 10% of the value of the annuity. A certificate of deposit does not allow a partial withdrawal.

Income payments can be designed by the policy owner to fit specific annuitant or beneficiary needs, providing future planning flexibility today. During high income years you can defer income tax until retirement when taxable income is most likely lower.

In the event of death, all proceeds can pass directly to the named beneficiary without surrender charge, probate delay, estate settlement costs or publicity.

No confusing introductory “teaser” rates, just our straightforward fixed rate of interest. No front-end load or annual policy administration fee.

Annuities offer a minimum guaranteed rate of interest to help protect your original investment. Your money will always be growing . . . it's guaranteed. Income payments can be designed to fit your specific needs.

If you are looking for a higher return than a CD the annuity may be right for you.

You can have a option to receive income payments monthly, quarterly, semi-annual , annually or you can let it grow tax deferred by not taking out the interest.

Annuities avoid probate and pass directly to a named beneficiary. It could be a person/persons or your favorite charity.

Currently paying 2% with a minimum rate guarantee of 1.5%

call us at 618-667-9119 or email at jlia@ insurit.com