Annuity Checklist

Whether you are thinking about purchasing an annuity or just wanting to learn more about them, this checklist can help you understand how they work, what the costs may be and how long you may be able to receive income from an annuity.

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What’s covered in this checklist?
This checklist will define immediate and deferred annuities and will outline the general descriptions of each.

What is an annuity?

An annuity is a contract between you and an insurance company where you pay a premium in exchange for guaranteed income for a set period of time or for the remainder of your life.

The type of annuity that would be most suitable for your financial situation depends on a variety of factors.

For example, are you looking to help offset long-term care expenses or steady, guaranteed income for life? This checklist will define immediate and deferred annuities, including traditional fixed, fixed index and variable annuities and will outline the general descriptions of each.

What are the costs associated with an annuity?

This checklist will discuss some of the different costs that may be associated with these products, such as insurance-related fees and penalties for early withdrawals.

What if I need access to the
principal in my annuity?

Most annuities offer options that allow you to withdraw a percentage of your contract value each year up to a certain limit. However, early withdrawals could have consequences. This checklist can help explain some of the possible effects of early withdrawals.

How long will I be able to receive income from my annuity?

Annuities pay income in a variety of ways. In some cases, annuities may provide guaranteed income for life. After reading this checklist, you'll learn some of the various payout options available.

Guarantees and protections provided by insurance products including annuities are backed by the financial strength and claims paying ability of the issuing insurance carrier.

By submitting your contact information, you consent to be contacted regarding retirement income strategies that utilize insurance and investment products.

Investment Advisory Services offered through Grace Capital Management Group, LLC, a Registered Investment Adviser.

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