Why are Indexed annuities the choice of  seniors wanting to protect their nest eggs while still having decent upside?

  • They are guaranteed to never lose any of your principal or your gains. Can you name another investment with this being so?
  • An annuity is the only vehicle that offers guaranteed income for life. Not bad.
  • You have the ability to build up massive sums of guaranteed money for future. Using Income riders.
  • Higher returns than traditional safe investments. Sometimes much higher.
  • Interest earned is locked in.
  • Participate in market gains but never in market losses. Read that again and let it sink in.
  • Often bonuses are attached. This depends on State Laws.
  • Tax deferred triple compounding growth. I’d look this one up!
  • Can help reduce tax burdens. Of course, this depends on you situation.
  • They can help reduce Social Security taxes.
  • Annuities can be used in estate planning to protect assets. Especially ;long term care situations.
  • Beneficiaries receive 100% of you account without penalty upon your death.
  • Avoid Probate. That’s a good thing.
  • Funds can be withdrawn  at any time, but during the surrender charge period there could be a penalty. Most annuities allow up to 10% penalty free annual withdrawals after the first year of the surrender charge period, and 100% penalty free if confined to a nursing home or diagnosed with a terminal illness. There are no penalties if you start taking lifetime income payments or required minimum distributions from your IRA.
  • Complete peace of mind that you will not lose your money at any time.

If you want to know if annuities are right for your situation give me a call and we can set up a meeting.


Starting mid-August, you will likely begin to receive notices regarding changes in your Medicare coverage.
Please, do not wait until October 15th when Open Enrollment begins. Reach out as soon as you're able and have all your Medicare and AEP questions answered!