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An Annuity is essentially a contract between an individual (annuitant) and an insurance company. Annuities are offered by Insurance companies and sold through licensed agents.
Advantages of Annuities: All annuities have three primary advantages: Tax Deferral , Avoidance of Probate, and a Guaranteed Income (optional) for a fixed period of time, or income for life. Annuities also can protect your assets from creditors.
More specific reasons to invest in annuities:
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 have money that is designated for inheritance
You do not need more than 10% liquidity annually
Types of Annuities...
- Immediate Annuities
- Fixed annuities / Fixed-indexed Annuities
- Variable Annuities - is an annuity where your returns depend on the performance of stocks, bonds or cash investments you choose. With variable annuity your principle is not guaranteed, it has risk and its' cost is more than fixed annuities.
To browse the annuity of the month please click Annuities Of The Month
We here at ZR Asset Protection do not offer variable annuities to our clients, because of the risk and non-suitability to a safe and secure retirement.
For a free "Annuity Owner Opportunities" booklet please fill out the form. Your information is kept strictly confidential.
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