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Understanding Annuities

An annuity is a contract between you and an insurance company. Annuities are often chosen as a way to create retirement income, but they can also be used to pass on a legacy to your heirs. An annuity could be a good choice if you want to:

Increase your tax-deferred earnings, and may be already taking full advantage of all available 401(k), IRA or other tax-deferred plans
Receive guaranteed income for life or a set period of time
Create a plan with flexible investment, income and legacy choices

Qualified Versus Non-Qualified Annuities

A qualified annuity is one that is purchased within a retirement account, such as a 401(k) or IRA. A non-qualified annuity is one that is purchased outside of such a plan, with dollars on which you´ve already paid federal income tax. Basically, the annuity is the same, but the tax consequences may not be. You may want to consult a qualified tax expert before investing.

How do you choose among annuities?

The key to planning with annuities is customization. This starts with the type of annuity you choose: variable, fixed index or traditional fixed. You may customize further by choosing optional benefits for your individual contract, or from a variety of products with unique features.

Fixed Index Annuities

Fixed index annuities combine the benefits of a traditional fixed annuity, including guaranteed minimum interest, with the potential to earn additional interest linked to the return of an index.

Fixed Index Annuity Benefits

Fixed index annuities may allow owners the flexibility to build their contract to meet their individual needs. Some products offer two indexes, multiple crediting methods, a variety of contract lengths and optional features as well as a standard premium credit feature.

Fixed Annuities

Fixed annuities are retirement contracts built on protection and guaranteed returns, including a guaranteed minimum interest rate.

Fixed Annuity Benefits

Fixed annuities offer guaranteed retirement income for a set period of time or for your lifetime. They also provide guaranteed return of your initial investment and death benefit protection.

Immediate Annuities

Most annuities are deferred, which simply means that you don´t plan to begin taking income from them right away. However, there is another type of fixed annuity available, called an immediate annuity.

An immediate annuity is a popular choice for people already in retirement because it guarantees lifetime income. You can purchase it only with a single lump-sum payment. Income payments from the insurance company to the contract owner usually begin within 12 months of the purchase date.

As with deferred fixed annuities, you can choose to receive income payments for life, or a shorter period of time. Payments are based on a fixed interest rate and can be paid out on a monthly, quarterly, semiannual or annual basis.

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Preparing For Retirement

With retirement still in the distance, we can work with you to develop a proactive financial plan. It should take into consideration such things as inflation, rising healthcare costs, college tuitions, and how much money you will need to fulfill your retirement dreams.

Just how much money will you need? - The key is to start working on your plan now. You will be surprised how waiting even just one more year to start saving can considerably reduce how much money you´ll have during retirement.
Investing is not one-size-fits-all - Should you max out your contributions to your employee-sponsored plan? What about an annuity? With so many choices, it´s important to work with a representative who can explain them all, offer insights and help create a plan that is right for you.
Diversifying your money among investments is critical - It may be the single biggest factor in determining the success of your retirement portfolio. History shows that during times when some market sectors perform unfavorably, others may have a banner year. So spreading your money among a wide variety of investments is the long-term smart way to manage fluctuations in the market.
Grow your money tax-free - Some investment vehicles will defer tax withholdings until the time of withdrawal, so more money is working for you. Then at retirement, if you enter a lower tax bracket, fewer taxes will be taken from your withdrawals. Just another reason to start making the most of your money now.

Your plan is a long-term commitment, but that doesn´t mean it´s static. That is why it´s important to meet with your representative regularly and consider changes in your financial situation and family circumstances that can affect your plan.

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Approaching Retirement

Many people look forward to retirement. You´ll have more time with family and friends and to pursue your passions. Now is the time to do what it takes to make sure you´ll have the income to support your plans.

Are you saving enough to prepare for your retirement? - Add up all your potential sources of retirement income. These may include full or part-time work, pensions, 401(k)s, IRAs, savings accounts, investments and Social Security. Determine if there is a match between what you have and how much income you´ll need in retirement.
Planning for a long life - Your retirement could last 20 years or more. Will your savings last that long or longer? From inflation to health care costs and more, longevity presents unique challenges for your generation. The last thing you want to do is outlive your money.
Managing market ups and downs - As you approach retirement, there may be less time to weather a market downturn. On the other hand, you may also be concerned about missing out on stock market growth opportunities that could add to your savings.

Retirement possibilities are taking shape. You want to be able to live as well in retirement as you are living now. You may also want to enjoy a trip to Europe or even start a different career. Plan now to turn possibilities into reality.

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Enjoying Retirement

The transition into retirement requires a major change in the way people think about and manage their money.

Today´s retirees are less likely to collect a pension, and who knows what will happen with Social Security? Along with longer life expectancies and inflation, there is much to consider when planning for your bright future.

Everyone hopes to enjoy their retirement, but what should you know now to make the most of the years to come? Here is a list to consider:

Setting up a steady stream of income - To continue the lifestyle you knew pre–retirement, it´s important to create a financial plan that offers you the most potential future value for your hard–earned money. Annuities, as part of your portfolio, can provide you with the opportunity to receive regular income during retirement.
Keeping pace with inflation - With the rate of inflation, the money you have today may not go as far tomorrow. Inflation can reduce buying power year after year and can put a damper on projected plans. Your investment strategy must address the effects of inflation now if you are to realize your retirement dreams in the future.
Protecting what you have saved - Investing in the market can be a viable way to create retirement income. However, dramatic fluctuations can sometimes mean losing some or all of your retirement money. Choosing products, portfolios and options that diversify your assets and lock in market gains can help you weather the ups and downs of the market.
Creating a legacy - Part of enjoying retirement is knowing that your family will be taken care of in the event that anything happens to you. Jackson® and your representative can show you how to minimize federal estate taxes and make sure your assets are transferred to your heirs according to your wishes.

It is also imperative to diversify your investments since some will outperform others at certain times. The goal is for the overall value of your portfolio to increase long-term. As a result, you will enjoy the retirement you envisioned.

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Understanding Annuities An annuity is a contract between you and an insurance company. Annuities are often chosen as a way to create retirement income, but they can also be used to pass on a legacy to your heirs. An annuity could be a good choice if you want to: Increase your tax-deferred earnings, and may be already taking full advantage of all available 401(k), IRA or other tax-deferred plans Receive guaranteed income for life or a set period of time Create a plan with flexible investment, income and legacy choices Qualified Versus Non-Qualified Annuities A qualified annuity is one that is purchased within a retirement account, such as a 401(k) or IRA. A non-qualified annuity is one that is purchased outside of such a plan, with dollars on which you´ve already paid federal income tax. Basically, the annuity is the same, but the tax consequences may not be. You may want to consult a qualified tax expert before investing. How do you choose among annuities? The key to planning with annuities is customization. This starts with the type of annuity you choose: variable, fixed index or traditional fixed. You may customize further by choosing optional benefits for your individual contract, or from a variety of products with unique features. Fixed Index Annuities Fixed index annuities combine the benefits of a traditional fixed annuity, including guaranteed minimum interest, with the potential to earn additional interest linked to the return of an index. Fixed Index Annuity Benefits Fixed index annuities may allow owners the flexibility to build their contract to meet their individual needs. Some products offer two indexes, multiple crediting methods, a variety of contract lengths and optional features as well as a standard premium credit feature. Fixed Annuities Fixed annuities are retirement contracts built on protection and guaranteed returns, including a guaranteed minimum interest rate. Fixed Annuity Benefits Fixed annuities offer guaranteed retirement income for a set period of time or for your lifetime. They also provide guaranteed return of your initial investment and death benefit protection. Immediate Annuities Most annuities are deferred, which simply means that you don´t plan to begin taking income from them right away. However, there is another type of fixed annuity available, called an immediate annuity. An immediate annuity is a popular choice for people already in retirement because it guarantees lifetime income. You can purchase it only with a single lump-sum payment. Income payments from the insurance company to the contract owner usually begin within 12 months of the purchase date. As with deferred fixed annuities, you can choose to receive income payments for life, or a shorter period of time. Payments are based on a fixed interest rate and can be paid out on a monthly, quarterly, semiannual or annual basis.
Return to Top			Go to Home Page



Preparing For Retirement With retirement still in the distance, we can work with you to develop a proactive financial plan. It should take into consideration such things as inflation, rising healthcare costs, college tuitions, and how much money you will need to fulfill your retirement dreams. Just how much money will you need? - The key is to start working on your plan now. You will be surprised how waiting even just one more year to start saving can considerably reduce how much money you´ll have during retirement. Investing is not one-size-fits-all - Should you max out your contributions to your employee-sponsored plan? What about an annuity? With so many choices, it´s important to work with a representative who can explain them all, offer insights and help create a plan that is right for you. Diversifying your money among investments is critical - It may be the single biggest factor in determining the success of your retirement portfolio. History shows that during times when some market sectors perform unfavorably, others may have a banner year. So spreading your money among a wide variety of investments is the long-term smart way to manage fluctuations in the market. Grow your money tax-free - Some investment vehicles will defer tax withholdings until the time of withdrawal, so more money is working for you. Then at retirement, if you enter a lower tax bracket, fewer taxes will be taken from your withdrawals. Just another reason to start making the most of your money now. Your plan is a long-term commitment, but that doesn´t mean it´s static. That is why it´s important to meet with your representative regularly and consider changes in your financial situation and family circumstances that can affect your plan.
Return to Top			Go to Home Page



Approaching Retirement Many people look forward to retirement. You´ll have more time with family and friends and to pursue your passions. Now is the time to do what it takes to make sure you´ll have the income to support your plans. Are you saving enough to prepare for your retirement? - Add up all your potential sources of retirement income. These may include full or part-time work, pensions, 401(k)s, IRAs, savings accounts, investments and Social Security. Determine if there is a match between what you have and how much income you´ll need in retirement. Planning for a long life - Your retirement could last 20 years or more. Will your savings last that long or longer? From inflation to health care costs and more, longevity presents unique challenges for your generation. The last thing you want to do is outlive your money. Managing market ups and downs - As you approach retirement, there may be less time to weather a market downturn. On the other hand, you may also be concerned about missing out on stock market growth opportunities that could add to your savings. Retirement possibilities are taking shape. You want to be able to live as well in retirement as you are living now. You may also want to enjoy a trip to Europe or even start a different career. Plan now to turn possibilities into reality.
Return to Top			Go to Home Page



Enjoying Retirement The transition into retirement requires a major change in the way people think about and manage their money. Today´s retirees are less likely to collect a pension, and who knows what will happen with Social Security? Along with longer life expectancies and inflation, there is much to consider when planning for your bright future. Everyone hopes to enjoy their retirement, but what should you know now to make the most of the years to come? Here is a list to consider: Setting up a steady stream of income - To continue the lifestyle you knew pre–retirement, it´s important to create a financial plan that offers you the most potential future value for your hard–earned money. Annuities, as part of your portfolio, can provide you with the opportunity to receive regular income during retirement. Keeping pace with inflation - With the rate of inflation, the money you have today may not go as far tomorrow. Inflation can reduce buying power year after year and can put a damper on projected plans. Your investment strategy must address the effects of inflation now if you are to realize your retirement dreams in the future. Protecting what you have saved - Investing in the market can be a viable way to create retirement income. However, dramatic fluctuations can sometimes mean losing some or all of your retirement money. Choosing products, portfolios and options that diversify your assets and lock in market gains can help you weather the ups and downs of the market. Creating a legacy - Part of enjoying retirement is knowing that your family will be taken care of in the event that anything happens to you. Jackson® and your representative can show you how to minimize federal estate taxes and make sure your assets are transferred to your heirs according to your wishes. It is also imperative to diversify your investments since some will outperform others at certain times. The goal is for the overall value of your portfolio to increase long-term. As a result, you will enjoy the retirement you envisioned.
Return to Top			Go to Home Page