long term savings

About Annuities

Consumers are on a seemingly endless quest for a safe haven for their retirement dollars. Selecting the best financial services depends on your financial goals and market conditions. Fixed annuities, Life and Accident Assurance Company can help you reach those goals.

Sounds simple, right? Yet there’s a lot of confusion and misinformation out there when it comes to annuities. At Misner Benefits we’re committed to providing you with the answers you need to make confident, well-informed choices when it comes to your future.

Immediate Annuities – Guarantee yourself an income for life.

With an Immediate Annuity, your money provides guaranteed payments to you that begin soon after you make your initial payment. Depending on the tax-qualified or non-tax-qualified status of your annuity, a portion, or the entire payment can be included in your taxable income. The owner can elect to receive guaranteed payments for life, or elect payments to be made over a specified length of time.

Deferred Annuities – Increase your retirement savings.

The tax-deferral and compounding of interest provided by a fixed interest annuity can help it to grow larger than an equal contribution in a taxable account. Gains are taxed as ordinary income once the money is withdrawn. Annuities can also be used to fund traditional IRAs, Roth IRAs and Simplified Employee Pension Plans. (Income tax-deferral is provided by the retirement plan.)

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