ANNUITIES - Helping people build and
                        protect their wealth.

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Look at these facts:

1. Stock and bond investments have been losing
    money hand over fist.

2. Bank interest is down to 1%.

3. People up in years need financial security.

4. Annuities are the best answer and most are backed
    by the 5-year United States Treasury Security.

Did you know.....

*Annuities are time accounts that work very similar to a
 CD at the bank.

*Annuities offer a greater return on your money.  Annuity interest
  rates have averaged more than a CD over the last 20 years.

*Most Annuities are very safe investment vehicles.

*There are NO charges or fees to set up an Annuity.

*Your money grows on a Tax-Deferred basis, which means
  more return on your money than a Taxable investment
  like a CD or Savings account.

*Annuities offer Settlement Options, which include the following:
  a.  withdrawals of your Principle;
  b.  withdrawals of your Interest Growth;
  c.  the ability to "Annuitize" or provide income for your lifetime;
  d.  the option to just let your money grow and give it to your
        beneficiaries at death.  All proceeds will go to your
        family with NO cost or delay of probate.

*With an Annuity, your interest is compounded.  Compound
  Interest is often referred to as the "Eighth Wonder of the World."
  a.  The Rule of 72 can be used to explain Compound Interest.
       This rule states - if you divide 72 by any interest rate it will
       show you how long it will take you to double your money.
  b.  Example: 
       1.  72 divided by 1 = 72 (it would take 72 years to double
            your money in a typical bank account at 1%)
       2.  72 divided by 5 = 14.4 (it would take 14.4 years to
            double your money in a typical Annuity at 5%).

There is one restriction with an Annuity:  Like a CD at the
bank, you can incur early withdrawal penalties if you take
more than 10% out during the first few years.

There are different types of Annuities available:

1.  Fixed Annuities, such as:

     a. Single Premium Deferred Annuity (SPDA):
         An Annuity that is purchased with one lump sum premium.

     b. Flexible Premium Deferred Annuity (FPDA):
         This Annuity allows additional deposits to be made at
         your discretion.

     c. Immediate Annuity:
         You put a lump sum into the Annuity and start to receive
         a guaranteed monthly income for a period of time, such
         as, 10 years, 15 years, 20 years, or Life.

2.  Variable Annuities:

     You get all the advantages related to an Annuity but your
     money is invested in stock or bond funds, so you lose
     some of the safety of a Fixed Annuity.

Click here for an Annuity Quote