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CD AnnuitiesFill in the information below to receive your free, no obligation CD-Type Annuity quotes via e-mail. Or, If you prefer call an Annuity Investments Group Specialist to discuss the best CD-Type Annuity for you. You can reach an Annuity Investments Group Specialist at toll free 1-888-858-0839.
|  | 1 thru 10 yrs . - 3.10%*
| Minimum Investment: | | $2,000 IRA $5,000 Non-IRA
| | Terms of Contract: | | 3 years: 6%, 5, 4% W/D: 10% of premiums paid annually. The Surrender Period may be less but will not exceed the Guaranteed Period chosen. I.e., a 2 year Guarantee Period will have a 2 year Surrender Period and NOT a 3 year Surrender Period.
| | Features: | | *Rates displayed are for initial premium deposits of $100,000+. Lower rates are set for initial premium deposits below $100,000.
| | More Information: | | Order your Free Information Kit: Phone 1-888-858-0839 or contact us via e-mail below. |
| |  | 10 yrs. - 4.50%
9 yrs. - 4.45%
8 yrs. - 4.35%
7 yrs. - 4.10%
6 yrs. - 3.90%
5 yrs. - 3.60%
| Minimum Investment: | | $2,000 IRA
$5,000 Non-IRA
| | Terms of Contract: | | 10 years: 6%, 6, 5,4, 3, 2, 2, 2, 2, 2% W/D: Unlimited prior 12 months interest earned. The Surrender Period may be less but will not exceed the Guarantee Period chosen. I.e., a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
| | Features: | | Low initial premium
| | More Information: | | Order your Free Information Kit: Phone 1-888-858-0839 or contact us via e-mail below. |
| |  | 10 yrs. - 3.90%
8 yrs. - 3.70%
7 yrs. - 3.70%
6 yrs. - 3.60%
5 yrs. - 3.45%
| Minimum Investment: | | $5,000
| | Terms of Contract: | | 8 years: 8%, 8, 7, 6, 5, 4, 3, 2 6 years: 6%, 6, 6, 6, 5, 4 4 years: 4%, 4, 4, 4 W/D: The contract surrender charge is based on the time since the start of the interest rate guarantee period and applies to any withdrawals that are more than 10% of the accumulated value at the beginning of the contract year. The Surrender Period may be less but will not exceed the Guarantee Period chosen. I.e., a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender period.
| | Features: | | Flexible withdraw provisions; Tax-Deferred Interest Earnings
| | More Information: | | Order your Free Information Kit: Phone 1-888-858-0839 or contact us via e-mail below. |
| |  | 10 yrs. - 4.42%
7 yrs. - 4.26%
5 yrs. - 3.80%
4 yrs. - 3.54%
| Minimum Investment: | | $20,000
| | Terms of Contract: | | 10 years: 8%, 8, 7, 7, 6, 6, 5, 5, 4, 4% 7 years: 8%, 8, 7, 7, 6, 6, 5% 5 years: 8%, 8, 7, 7, 6% 4 years: 8%, 8, 7, 7% W/D: Unlimited, up to 10% of annual account value. The Surrender Period may be less but will not exceed the Guarantee Period chosen. I.e., a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 10-year Surrender Period.
| | Features: | | 4-year contract available
| | More Information: | | Order your Free Information Kit: Phone 1-888-858-0839 or contact us via e-mail below. |
| |  | 1 yr. - 6.05%*
2 yrs. - 4.55%*
4 yrs. - 3.80%*
6 yrs. - 3.55%*
| Minimum Investment: | | $10,000
| | Terms of Contract: | | 7 years: 6%, 6, 5, 4, 3, 2, 1% W/D: Unlimited prior 12 months interest earned. The Surrender Period may be less but will not exceed the Guarantee Period Chosen. I.e., a 5-year Guarantee Period will have a 5-year Surrender Period and NOT a 7-year Surrender Period.
| | Features: | | *Above rates are for investments of $50,000 or more.
| | More Information: | | Order your Free Information Kit: Phone 1-888-858-0839 or contact us via e-mail below. |
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Contact UsGive your email address and let us know how we can help you. We will get back to you right away! CD AnnuitiesAlso known as a fixed-rate type of annuity, a CD annuity investment works like a regular Certificate of Deposit in that it provides a guaranteed set interest rate for a pre-determined amount of time. For example, let’s say you purchase a 5 year CD annuity with an interest rate of 4%. This rate is guaranteed for 5 years, and the surrender charge schedule might look like the following, 5%, 4%, 3%, 2%, 1%. That means if you took all your money out in the third year of the contract you would have a 3% penalty. If you keep your funds invested for the full 5 years, at the end of 5 years you may re-new if the company is offering a good rate or you may move without tax or penalty to another company offering a better rate. You are in control. Most annuities also allow a 10% free withdraw annually, monthly checks for your interest payments, and options for full withdraw without penalty if you are ill or need to spend time in a nursing facility or if you need home care. Traditional Bank CDs are more restrictive, and of course, you must pay tax annually on your bank CD interest. Annuities are only taxed upon withdrawal of your interest. Call one of our experts, we’ll be happy to answer all your questions. The greatest appeal of a CD type annuity is the tax benefits. It provides tax deferred growth because the interest earned is not taxed immediately. This allows you to compound interest on your principal as well as your earnings for many years, providing much more value than a regular Certificate of Deposit. Your retirement fund grows significantly. It's important to note that in order to yield the attractive (and guaranteed) returns, you must hold on to the fixed CD annuity investment for the entire term. If you find yourself needing to get out of the contract, there are penalties and interest costs involved. With CD type annuities, the benefits outweigh the drawbacks. Please give our Annuity Investments Group Specialists a call at 1-888-858-0839 to discuss this product and see if it can work within your investment goals. You can also fill out our online form for a free quote on current CD annuity rates. CD AnnuitiesAlso known as a fixed-rate type of annuity, a CD annuity investment works like a regular Certificate of Deposit in that it provides a guaranteed set interest rate for a pre-determined amount of time. For example, let’s say you purchase a 5 year CD annuity with an interest rate of 4%. This rate is guaranteed for 5 years, and the surrender charge schedule might look like the following, 5%, 4%, 3%, 2%, 1%. That means if you took all your money out in the third year of the contract you would have a 3% penalty. If you keep your funds invested for the full 5 years, at the end of 5 years you may re-new if the company is offering a good rate or you may move without tax or penalty to another company offering a better rate. You are in control. Most annuities also allow a 10% free withdraw annually, monthly checks for your interest payments, and options for full withdraw without penalty if you are ill or need to spend time in a nursing facility or if you need home care. Traditional Bank CDs are more restrictive, and of course, you must pay tax annually on your bank CD interest. Annuities are only taxed upon withdrawal of your interest. Call one of our experts, we’ll be happy to answer all your questions. The greatest appeal of a CD type annuity is the tax benefits. It provides tax deferred growth because the interest earned is not taxed immediately. This allows you to compound interest on your principal as well as your earnings for many years, providing much more value than a regular Certificate of Deposit. Your retirement fund grows significantly. It's important to note that in order to yield the attractive (and guaranteed) returns, you must hold on to the fixed CD annuity investment for the entire term. If you find yourself needing to get out of the contract, there are penalties and interest costs involved. With CD type annuities, the benefits outweigh the drawbacks. Please give our Annuity Investments Group Specialists a call at 1-888-858-0839 to discuss this product and see if it can work within your investment goals. You can also fill out our online form for a free quote on current CD annuity rates. |