What is an annuity?

SPIA (Simple Premium Immediate Annuity) This is a series of payments at fixed time intervals that is guaranteed for a set number of years or for the lifetime of an individual.  Money is paid after an investment is initiated either in lump sum or by payments.

Deferred Annuity:  This type of annuity is held and not paid until a preset time.  The money grows in a tax deferred account. This type of annuity typically offers a greater interest rate than CD’s which are taxed every year!

Annuities offer tax deferred growth and in many states are fully exempt from garnishment, attachment, execution and other seizures.

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