Why Choose us


An annuity refers to a contract between an owner and an insurance company, where the owner deposits money into an insurance contract, and the insurance company, in return, provides an income stream. An annuity contract may be fixed or variable, immediate or deferred. Factors to consider when selecting the contract type include market risk tolerance, the timeframe for when income is needed, guarantees offered within the contract, contract fees, provisions that hedge for inflation risk, contract liquidity, and the claims-paying ability of the issuing insurance company.

While annuities come in many varieties, they share these common benefits: Tax-deferred accumulation of assets for retirement and retirement income stream that may be guaranteed for life. Interest rates, income payouts, and guarantees are backed by the claims-paying ability of the issuing insurance company. In addition, variable investment options are subject to the volatility of market risk.

Annuity contracts play a crucial role in retirement planning through tax-deferred investing and retirement income solutions. Product types vary greatly in features and structure and can meet a variety of financial needs: Tax-deferred growth, insurance against outliving your income in retirement, market participation, funding life insurance premiums, creating your own pension, and charitable gift annuities.

Discover our other solutions

Wealth Management

Affluent clients often belong to families comprised of several generations: individuals with differing values, preferences, objectives, and geographic locations.

Corporate Benefits

Life insurance is a powerful and flexible financial instrument with many useful applications for companies of all sizes. For business owners, it can help facilitate business continuity.

Long-Term Care & Disability Insurance

Income and asset protection are important components of a sound retirement strategy. Planning for disability and long-term care needs is critical to a successful financial plan, ensuring the protection of income and assets for family members and heirs.

Life Insurance

Life insurance is a key financial asset that serves a wide variety of purposes, providing financial support to heirs and charitable organizations, indemnification against the loss of a key person in your business, funding of a business continuation plan, and as a benefit for executives and employees.

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