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What are Annuities

Now that we are living longer and longer, the worry of outliving our income and investments is more prevalent. An annuity is a long term investment issued by an insurance company designed to help protect you from the risk of outliving your income. Annuities can provide you with a steady income for a set term or for life.

Types of Annuities

At Brines Insurance, we offer excellent options for annuities to our clients, and our experts can walk you through the process of finding the best choice for your unique needs. There are many types of annuities to choose from including:

  • Variable: You choose the investments and risk of those investments. Your earnings and the payout is determined by those investments
  • Immediate: Usually purchased with a lump-sum investment or payment and then payout back to you starts almost immediately with a guaranteed income
  • Fixed: The principle investment and earnings are both guaranteed and fixed payments are made for the term of the contract
  • Fixed Indexed: Returns on investments and contributions are based on a specified equity based index like the S&P 500. If you think an Annuity might be good for you, contact our friendly and knowledgable staff to discuss your options and find a develop a plan that is right for you.

Annuities are a great addition to your life insurance investment when you can make an informed decision. The process can seem overwhelming, but working with our team of experts can make the investment easy. Contact Brines Insurance today to learn more about adding an annuity to your life insurance policy immediately, and get the most out of your money.