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.

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.

Annuity News

Best Annuity Rates – Fixed & Fixed Indexed

Today more than ever, Americans are looking for safety with their savings and retirement assets. Unfortunately, many are unaware of their options outside of a savings account, CD, and/or Money Market.

American Equity | How to generate paychecks for life

Top pick for top retirement needs: lifetime income for the last five consecutive quarters, more independent agents have chosen the IncomeShield 10 for their income-focused clients than any other 10-year fixed index annuity with guaranteed lifetime withdrawal benefits.

Global Atlantic | $68 Trillion Reasons Why you Should be Talking About This

$68 trillion: how much money is projected to be transferred by 45 million U.S. households to their beneficiaries over the next 25 years.

Nationwide Peak 10 Annuity

There are many options when it comes to Index annuities. It would seem that most “name” brand companies have not really had products in this space. Well, welcome the Nationwide Peak 10 annuity.

Social Security and Annuities

One of the most important areas that need to be considered on the success of your retirement is having enough funds that when you stop working and receiving a regular income. How do you accomplish this important fact, and what strategies are necessary to sustain and thrive in retirement? The answer for many is Social Security and Annuities.

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.