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

Equitable: AM Best Upgrade

We are very pleased to announce that AM Best has upgraded the Financial Strength Rating of Equitable Life and Casualty Insurance Company to B+. The...

Global Atlantic: A Top Pick for Strong Early Income, Backed by Competitive Income Factors

Income 150+ offers all of the interest crediting potential and protection from market losses of a typical fixed income annuity (FIA), with...

American Equity: Are Your Clients Ready to Spend One-Fourth of their Life in Retirement?

On average, your clients spend one-third of their lives working.¹ When they come to you, they are looking to ensure the work they’ve done can help...

North American | News: September 2019

Fixed Index Annuities were Made for Times like These If your clients are tired of riding the volatility roller coaster, consider offering them a...

Global Atlantic: Proud to Share our Choice Accumulation Rate Renewal History

September 26, 2019Consistent renewal rates can help give clients confidence in their future. That’s why we are proud to share our annuity rate...

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