Strategies and Tips!

When buying a fixed rate annuity

Buy an annuity that will lock in a set interest rate for the entire duration. Most fixed annuities will offer a set fixed rate for the duration of the investment.

Charitable remainder annuity trust.
This type of annuity option allows you to provide for your own financial security while setting in motion a future gift to a chosen charitable organization. This annuity option allows you to place your assets in trust. Trust assets can provide a flow of cash to you or your named beneficiary for a set time period. After this, the remaining trust funds will be given to the charitable organization you so requested. Because the trust is not part of your estate there will be no estate taxes.

The two types of CRT accounts are:

1. Unitrust: This type allows a set or fixed percentage of funds from the trust assets are distributed to the donors. If the value of the funds within the trust increases or decreases, the amount of funds (income) you will receive will also change.

2. Annuity trust: This is similar to the unitrust, except it offers fixed funds year after year. Note that any increase or decrease in the value of the trust does not affect any payments.


Split annuities divide your money into two accounts. One account is left to grow funds that equal the original amount deposited. The other annuity account is to pay you a steady income. This plan is designed to not change your original deposit amount while giving you an income.

For generating income a good choice may be a Variable Immediate annuity. You will deposit a fixed amount of funds and receive a guaranteed income amount for specified time frame(s). These types of annuities credit around 3% to 5% of the cash value remaining in the annuity investment, during the time you receive income from the annuity.

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Do you need another way to invest or another retirement plan? An annuity may be your answer!

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Fill out our online quote form for more information and get a FREE, no obligation price quote!