Optional riders can be added, at an additional cost, to free you from surrender charges in case of terminal illness, help secure nursing home or home health care, and even increase the payout amount to your beneficiaries. As with other annuities, it bypasses probate and passes to directly your designated beneficiaries as outlined in your contract. Whether you have minor children who aren’t ready to handle money, adult children who are a little too carefree to trust with a sum of money, or extended family, friends, or organizations you want to favor, you know your situation best. It’s comforting to have the ability to direct how and when your annuity will support the people you care about most.
As an independent agency, we have access to essentially all products on the market. Our focus is matching the ideal products that best meet your particular needs and objectives. We work with you to create the ideal strategy for your planning needs.
Fixed indexed annuities, like any other investment product, have benefits and drawbacks to consider before purchasing: