Fixed, "HyBRID" (FIxed Index)

What is an Annuity?

There are various types of Annuities available, such as Fixed, "Hybrid" (Fixed Index/Equity Index) and Variable Annuities, but only Fixed & "Hybrid" Annuities are considered 'Safe-Money Retirement Vehicles,' as variable annuities are subject to market volatility and have excessive fees.

Fixed Annuities

Offered by insurance companies, fixed annuities pay guaranteed interest rates, usually much higher than a bank CD. Unlike a CD however, fixed annuities enjoy tax deferred annual growth. Many people in retirement choose to invest in fixed annuities rather than a bank CD as a way to avoid stock market losses.

Fixed Index Annuities

A fixed index annuity may be a good choice if you want the opportunity for accumulation, but don’t want to risk losing money in the market. Also known as an “EIA,” or “Equity-Indexed Annuity,” Fixed Index Annuities offer the upside of stock market growth (such as the S & P 500 Index), up to a “cap.” When the stock market declines, the value in the Fixed Index Annuity does not decrease.

What are the Benefits of an Annuity?

Tax-Deferred Growth Guaranteed Income Payments For Life NEW Nursing Home Benefits Protection from Stock Market Losses Higher Rates of Return than Bank CD's Avoid Probate Offer Other Tax Benefits

What Tony Robbins said about Annuities in an interview on "Money: Master the Game"...

What is a "Safe Money Retirement Specialist?"

We have been helping Michigan residents to grow their retirement portfolio SAFELY for over 40 years. During the stock market crashes of 1987, 2000 and 2008, none of our clients lost any of their retirement savings. 

We only recommend to our clients safe-money retirement options, including fixed annuities, fixed-index annuities and life insurance. Because of our experience and track-record of helping our clients, we are able to represent the highest-rated companies in the world (AM Best & Moody’s) and offer to our clients some of the highest rates within the industry.

We are Safe Money Retirement Specialists™

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