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

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

FIA | MYGA Rate Increases

Effective February 8FIA & MYGA Rate Increases! Rate Announcement Effective Thursday, February 8, your clients can get higher fixed rates on

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.