Why We Don’t Sell Annuities

Annuities are complex insurance agreements sold by Insurance Companies in order to accumulate investment dollars and then immediately or in the future provide a “guaranteed” retirement income. The word “guarantee” is attractive to investors, but can be misleading as far as what is guaranteed?

Does the guarantee apply to:

1. Rate of return.
2. Your original investment dollars.
3. The death benefit to your beneficiaries.
4. The amount of the income payment.
5. Asynthetic amount of money on which the payment is based.
6. The length of time the payment will be made.