Immediate Annuities

A lump sum investment that “immediately” distributes a set amount. Perfect for retirement planning.

Deferred Annuuities

You make regular payments (typically while you are still working) that convert to payments to you at a future date.

Refund Riders

Add the option to pay your beneficiary the amount of your investment less the payouts you’ve received.

Commuted Payout Rider

This allows a larger lump sum payout, usually for an emergency of some sort, when you have to have it (amount and timeframe is limited and specified).

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