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What is an Annuity?
With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can guarantee income for your retirement.
If you don't want to risk losing part of your retirement savings in equity based products with the risk of market losses, an annuity is a great alternative. Fixed and Index annuities offer protection for your principal as well as the gain you receive each year. Your money is never at risk due to market losses because there are guarantees in your contract that protect you.
As you know, the United States population is aging. Approximately 10,000 people turn 65 every day. Therefore, it's a realistic concern that you'll outlive the money you have saved for retirement. The annuity products National Agents Alliance offers have guaranteed retirement income that cannot be outlived, not matter how long you live or how much retirement savings you have accumulated!
Annuities are tax deferred meaning the money will accumulate without you having to pay tax on the gain until the money is withdrawn in the future. Tax deferral can be a huge benefit. For example, if you have $100,000 & it grows at 7% each year before taxes, assuming you're in a 25% tax bracket, in 25 years you would have $542,743 saved in a tax-deferred vehicle ($407,057 after taxes on the gain) versus only $359,379 in a taxable savings account.
Annuities also avoid the costs & delays of probate, giving your loved ones access to the funds quickly.
Why is an Annuity so important?
Retirement planning can be a bumpy road. Without the right investment vehicle, you may outlive your savings or suffer a lower quality of life to make ends meet. The government doesn't make it easy, either. Taxes, Medicaid, estate planning, and a variety of other factors add to the uncertainty, putting your financial security in question.
Retirement is your opportunity to live your dreams. Don't spend it on a modest income or, even worse, burdening your family financially. With an annuity, you can guarantee income for the rest of your life, so you can enjoy your golden years without worrying about the finances.
Let National Agents Alliance make sure you have a stress free retirement and are able to relax worry free down the road of life.
If you're planning for retirement, you can obtain a free annuity quote by filling out the form to your right. Our team of highly skilled annuity specialists will work with you to develop a plan that fits your budget and income needs.