Annuities - Is this the right planning tool for you?

Annuities have been in existence for well over two hundred years. The very first mention of Annuities in the United States was the use of these products by the Presbyterian Church in 1740 to provide security for the clergy and widows. Annuities allow you to accumulate tax-deferred funds for retirement and then, if you desire, receive a guaranteed income (annuitization) for life or for a specified period of time.

Annuities are offered by Insurance companies and sold through licensed agents. Annuities are very similar to CDs offered by banks, except for the tax deferred growth. Just like banks insurance companies offer different rates and returns on annuity investments.

Annuity Advantages -

All annuities have three primary advantages: Tax Deferral, Avoidance of Probate, and Guaranteed Income for Life.

More specific reasons to invest in fixed and immediate annuities:

• You need to safely create wealth for your heirs
• You need tax-deferred growth
• You need your principal and interest guaranteed
• You need your heirs to avoid probate upon your death
• You need an increased death benefit
• You need stock-market linked gains without the downside risk
• You do not need more than 10% liquidity annually

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