When planning for retirement, one of the biggest concerns is ensuring your savings last as long as you do. Annuities provide a guaranteed income for life, offering financial stability no matter how long you live. Whether you’re looking for a predictable retirement paycheck, a way to cover long-term care (LTC) expenses, or protection from market volatility, annuities can be a powerful tool in your financial strategy
• Guaranteed Lifetime Income – Never worry about outliving your savings. Many annuities provide payments that last for life, regardless of market performance.
• Tax-Deferred Growth – Your money grows tax-deferred, meaning you won’t pay taxes on gains until you begin withdrawals.
• Protection from Market Volatility – Unlike investments that fluctuate with the market, annuities offer stability and protection against downturns.
• Options for Long-Term Care (LTC) Planning – Some annuities include LTC benefits or allow you to use the funds for healthcare costs later in life.
• Customizable Payout Options – Choose how and when you receive income, whether through fixed payments, inflation-adjusted income, or flexible withdrawals.
We offer annuities designed to provide reliable income and financial security:
• Fixed Annuities – Offer a guaranteed interest rate and predictable income. Ideal for conservative investors.
• Indexed Annuities – Tied to a market index (like the S&P 500) with potential for higher returns while still protecting against market losses.
• Immediate vs. Deferred Annuities – Immediate annuities start payouts right away, while deferred annuities allow your money to grow before income begins.
Many retirees worry about covering potential long-term care expenses. Certain annuities offer LTC riders, which provide additional income if you need assisted living, nursing home care, or in-home healthcare. This can be an alternative to traditional LTC insurance, offering flexibility while ensuring your money works for you.
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Annuities are ideal for individuals who:
• Want a guaranteed retirement income that lasts for life
• Prefer protection from market risk
• Are looking for tax-deferred growth opportunities
• Need an LTC funding solution without traditional insurance If you’re interested in learning how an annuity could fit into your retirement plan, let’s discuss your goals and explore the best options for your situation.
All rights reserved. This is not an offer to enter into an agreement. Information and programs are subject to change without notice.
312 Insurance
312 Insurance Group
3601 Algonquin Rd, #605, Rolling Meadows IL 60008
(847) 665-1952
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