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single premium immediate annuity
The Insurance Product Built To Guarantee lifetime Income PAYMENTS
WHY A SPIA?
The risk of outliving one's retirement nest egg is a major concern for seniors and soon-to-be retirees. The insurance solution to this problem is the Single Premium Immediate Annuity (SPIA). The SPIA can ensure a lifetime income for the rest of your life. For single or joint lives, a premium return or refund guarantee is available. We show examples from a variety of companies based on pricing/income and carrier strength. Call (800) 373-9697 for a quote. The biggest income payments are frequently discovered by us.
- Longevity Protection
- Lifetime Income Options
- Joint Lifetime Income Options
- Return Of Premium Guarantees
- Cost Of Living Increases
- 5 - 50 Years Of Payments
- Quality Insurance Carriers
- Monthly, Quarterly, Semi-Annual, Annual Payment Modes
- No Annual/Up Front Fees
- Tax Exclusion Ratio
- Impaired Risk Medically Underwritten
- Turn a portion of your savings into a retirement income.
- Income is guaranteed with no fluctuation and no market risk.
- Get payouts for the rest of your life or for a specific number of years.
- Receive monthly, quarterly, semi-annual or annual payouts deposited directly into your account.
- Take the hassle out of required distributions from IRAs.
Risk Averse? See us first! TM
We've been offering immediate annuities as a secure income choice for agencies, organizations, and individuals since 1996. Those who have discovered us frequently discover a larger income as well as a wealth of experience and knowledge. Wholesale, fraternal, no-load, and retail immediate annuity rates are all available to us.
Single Life Immediate Annuity
A Single Life Immediate Annuity (SPIA) offers a regular, guaranteed income for life. In retirement planning, it is the only product that ensures you will never outlive your retirement income.
Key Benefits:
- Longevity protection - Guaranteed income that cannot be outlived
- Stable level income - Guaranteed payment will never decrease
- Inflation protection - Single life annuity has the option to guarantee increases annually
- Direct deposit - Payment can be sent directly to a bank account
Joint Life Immediate Annuity
- This option provides a guaranteed income for as long as either joint annuitant is alive. When either annuitant dies, payments continue to the survivor.
Key Benefits:
- Longevity protection for two lives - Guaranteed income that cannot be outlived
- Direct deposit - Payment can be sent directly to a bank account
- Inflation protection
- A joint life annuity has an option that guarantees increases annually
Period Certain Only
This option provides a guaranteed income for a specified time period of 5 to 50 years. If death occurs prior to the end of the chosen period, the beneficiary will continue to receive payments for the remainder of the specified period.
Key Benefits:
- Versatility - Gives the ability to receive income for a very specific period
- Automatic payments - Pay bills, life insurance, child support and never be late or miss a payment
- Direct deposit - Payment can be sent directly to a bank account
- Great for laddering
Deferred Start DIA
A Deferred Income Annuity (DIA) can be purchased with a guaranteed payment stream that starts as far out as perhaps 40 years. This can be a valuable planning tool where a 60-year-old client may want $1,000 per month for life starting at his 75th birthday. The DIA can guarantee both the premium and benefit.
Key Benefits:
- Longevity income guaranteed for the future
- QLAC approve
Split or Combo Annuity
A Split Annuity combines a Multi-Year Guarantee Annuity (MYGA) with a matching duration Single Premium Immediate Annuity (SPIA). The MYGA will grow back to the initial premium while the PSIA will give an income stream that may have offer a tax exclusion ratio.
For more information see my video about the Split Annuity below.