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 | Important Holiday Deadlines and Closing Information

As one year ends and another begins, please take note of these important deadlines and office hours to help you finish out the year.

North American | Get your Apps in Now! Income Changes Coming January 1, 2020

Income changes coming to some fixed index annuities effective 1/1/2020. 2020 forms will be available on our website and through e-App on 12/17/19.

Athene | Premium Bonuses Rise for Athene Performance Elite

Great news! We’re increasing the premium bonus on both the base and Plus versions of our Athene Performance Elite 10 and 15‑year products.

North American | IMPORTANT: Details on Product Changes Effective January 1

Due to a continued low interest rate environment and change in the prescribed rates required to determine reserves insurers must hold, we are making changes on new business for the following fixed index annuities.

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...

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.