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Annuity

What are Annuities?

Annuities are insurance contracts in which the company promises to pay a stream of income, either now or sometime in the future. Annuities can give clients the stability they are looking for during their retirement years. Annuity benefits include protection of principal from market volatility, fixed interest growth, tax deferral, and a predictable guaranteed lifetime stream of income.

The annuity landscape is ever evolving from regulatory change to company product changes. Pinnacle Financial services is here to help, from case analysis and design to comprehensive suitability evaluation.

Fixed Annuities

Interest is set by the insurance company for a period of time.

Immediate Annuities

With an immediate annuity, or SPIA, the insurance company will begin a guaranteed fixed income payment within a year from contract issue. The client can choose a guarantee lifetime payment, or typically a payment as short as 5 years, depending on their goals.

Fixed Index Annuities

Interest is credited based on the change of an index such as the S&P 500. Because your money is not actually invested in the index, there is never a risk of loss due to market fluctuations.

Give your annuity applications a boost!

Pinnacle is live with Firelight.

Firelight can be accessed directly on Pinnacle’s website. There’s no need to log into multiple carrier websites to submit your e-applications anymore. With many of Pinnacle’s core annuity carriers integrated, the Pinnacle website serves as a one-stop shop for managing your annuity business.

Using an electronic application such as Firelight guarantees access to the most up-to-date and accurate forms. It enables you to submit your business efficiently, ensuring faster processing and quicker payments. Electronic applications also facilitate the swift and easy signature collection, eliminating the need for multiple client visits to gather additional information..

Complete the information below to get access. Please give our Pinnacle Annuity Team a call at 800-772-6881 x6003 for additional information.

Annuity News

NAFA | Industry Alert: DOL ignores industry, finalizes reckless fiduciary rule

New Rulemaking Package Ignores Industry Concerns, Puts Independent Annuity Professionals and Clients at Risk

Global Atlantic | Our rates are changing effective March 25, 2024

Rate Update Our rates are changing March 25, 2024

Oceanview | 10-Year FIA Fixed Rate Special at 10% in the First Year!

Oceanview understands the importance of financial stability in the face of economic uncertainty, and that’s why we’re offering one of the highest fixed rates in the industry.

Americo | LEAP into Extra Cash on Your IUL Sales!

Earn $100 per application on the first five IUL applications you write. To qualify for the cash bonus, applications must be submitted and paid by April 30, 2024. See the contest flyer for details.

Royal Neighbors of America | MYGA rates are changing 2/22/24

For agent use only.

Attention: MYGA rates are changing

On February 22nd, our Multi-Year Guarantee Annuity (MYGA) rates are decreasing

Annuity Resources and Tools

Quoting available on our Annuity product portfolio.

Annuity Carriers

Pinnacle works with a wide variety of carriers to help provide your clients with the best options available.

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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