Annuities

Understand the Benefits

Annuities For Retirement

Understanding Fixed Indexed Annuity Benefits

When individuals prepare for retirement, they look for ways to increase and protect their income. An annuity is a potential strategy that people consider. An annuity is a type of insurance that guarantees* a fixed income in retirement. There are a number of different types of annuities for retirement. Annuities offer many benefits, so understanding them is key to helping you make a decision.

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Key Benefits of a Fixed Index Annuity (FIA)

An FIA protects your principal and guarantees* you a retirement income.

Fixed indexed annuities accumulate earnings tax-deferred. Also, the interest from these retirement annuities is not taxable until you withdraw it. Therefore, by deferring taxes, you are able to accumulate compound interest.

Annuities may provide steady income throughout retirement.

You can earn interest on your contract based on an external index, but you do not actually own any stock or share of the index. This means the money in your FIA is not at risk of market losses. 

In an FIA your principal and credited interest are protected. Therefore, your earnings have the potential to grow over time.

The death benefit goes to your beneficiaries after you pass away. It is also possible to avoid probate if the death benefit is structured properly.

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Interest Rates and FIAs

Several factors determine FIAs index rate. Typically, insurance companies determine annuity interest rates. We work with reputable and reliable providers. In general, you want to get a reasonable return* on your money. In most cases, the policy guarantees* retirement income. As a result, you won’t lose money with this low-risk purchase. Essentially, you’ll earn a reasonable return** while your assets are preserved.

Stock Market and FIAs

FIAs are insurance products, not investments. Rather, insurers track the performance of an external index. Thus, these products earn interest even though they are not directly invested in the stock market. The insurance companies guarantee a minimum interest rate. If the stock market falls, the insurer assumes the risk, not you. Fixed interest rates remain the same regardless of market movements.

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Learn More About How FIAs Work

When considering annuities for retirement, be sure they meet all your needs. We can explain all your options to you at Flying Eagle Financial. Please feel free to contact us for a meeting or to register for one of our retirement seminars.

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1425 Boyson Road
Hiawatha, IA 52233

3336 Kimball Avenue, Suite 250
Waterloo, IA 50702

2550 Middle Road, Suite 300
Bettendorf, IA 52722

1052 University Avenue, Suite 1
Dubuque, IA 52001

1111 S. Alpine Road, Suite 207
Rockford, IL 61108

6600 Westown Parkway, Suite 30
West Des Moines, IA 52066

*Backed by the claims paying ability of the carrier.
**Our products offer a reasonable rate of return, over time.

 

IMPORTANT CONSUMER INFORMATION

This site is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. The offer for sale of an insurance product may only be conducted in a state where the agent is licensed and the product is approved for sale. The providing of investment advice relating to securities may only be done by a properly licensed individual operating through a licensed affiliate entity, unless otherwise exempt. Comments about past performance are not to be construed as a guarantee or assurance of future performance. This website may contain concepts that have legal, accounting and tax implications. We do not provide specific legal or tax advice, nor promote, market or recommend any tax plan or arrangement. Consult a tax/legal professional for guidance with your individual situation. No representations are made as to the accuracy or completeness of the information contained herein or any information contained in any link provided herein, nor does a consumer visiting the website create an agent-client relationship.


Martin Weiss, an Investment Advisory Representative (IAR), offers advisory services through Gibbs Wealth Management, an SEC registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Flying Eagle Financial and Gibbs Wealth Management are independent of each other. Insurance products and services are not offered through GWM but are offered and sold independently by Flying Eagle Financial and Martin Weiss, Iowa License #249040, Illinois License #249040, Wisconsin License #249040.

 

By using this website, you accept our Terms of Use and Privacy Policy. GWM’s investment advisory services are available only to residents of the United States in jurisdictions where GWM is registered. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website does not constitute a complete description of GWM’s investment advisory services. Before investing, consider your investment objectives and Gibbs’ fees. Gibbs is not a bank or depository institution licensed in any jurisdiction. Products offered by Gibbs are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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