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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.

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

American Equity | Make Time and Money Work Toward Your Client’s Advantage!

With fixed index annuities like the AssetShield and IncomeShield series, your clients’ money can grow tax-deferred until a withdrawal is made

FREE Annuity Quote – Annuity Ratewatch

Annuity Quoting Tool – Annuity Ratewatch
Pinnacle Financial Services makes getting a free annuity quote available to all of their agents through https://www.annuityratewatch.com/ .

National Western Life | Get certified to sell our new FIA & let’s connect to discuss

When every client is one-of-a-kind, an annuity that offers a custom fit is the only CHOICE NWL ChoiceOptimizer Now Available.

Global Atlantic | Will RMDs Derail your Clients’ Plans to Leave Behind Money?

Ready to help your clients preserve their legacy plans despite RMDs? Watch and share this video with your clients – then let’s talk.

American Equity | Guidance on DOL’s New Interpretation of Fiduciaries

In 2020, the DOL issued a new interpretation of the five-part test that is used to determine if sales agents are ERISA fiduciaries.

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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