Products
Annuities
Annuities are a smart investment option with benefits focused on providing an income on a scheduled basis over a set amount of time.
- Tax-deferred growth. Taxes are not paid on earnings until funds are withdrawn for retirement. Your money grows as you accumulate interest on your premiums.
- Guaranteed Income. Once your annuity matures, it converts to a guaranteed income stream – so you can live comfortably in retirement and not worry about outliving your income.
- Estate Planning. You can leave a legacy to your loved ones without a heavy tax burden on their inheritance.
These tax references are for information and education purposes only. Please consult your tax advisor to determine how this information may apply to your own situation.
We offer a wide range of annuity products to meet your financial needs:
Select Plus 5 (SPDA102)– A fixed interest, single premium deferred annuity (SPDA) that allows you to defer paying income tax, profit from compounded growth and retain access to your money if needed. After the first year, sums of up to 10% of the account value may be withdrawn once a year without incurring penalties.
More information (PDF – 505 KB)
Charter Annuity Advantage (1200)– A specially designed retirement investment product for educational (403b) and non-profit (457) organizations to offer their employees. You can borrow up to 95% of the policy value as a loan. In some cases, it can also be provided as an IRA or Roth IRA.
More information (PDF – 344 KB)
Freedom Flex I (2000)- A flexible premium, deferred, fixed annuity designed for both continuous and single sum 403(b), 457, IRA (Traditional and Roth) and Non-Qualified contributions. Contributions to 403(b) and 457 plans are made on a pre-tax basis.
More information (PDF - 828 KB)
Freedom Flex Index (2300)-A flexible premium, deferred indexed annuity designed for both continuous and single sum 403(b), 457, IRA (Traditional and Roth) and Non-Qualified contributions. Contributions to 403(b) and 457 plans are made on a pre-tax basis. The Freedom Flex Index provides all the benefits traditionally associated with a conventional fixed annuity, but also credits interest based in part, on the performance of the S&P 500, without dividends.
More information (PDF - 2008 KB)
GoldenFlex X Annuity (1900)– A flexible premium, deferred indexed annuity combining the growth potential of interest earnings linked to rises in the S&P 500 Index with the security of knowing the principal deposits will not lose value. Policyholders are protected from drops in the index because the interest rate in the index account is guaranteed to not go below zero percent. For both continuous and single sum 403(b), 457, IRA, Roth IRA and Non-Qualified contributions.
More information (PDF - 828 KB)
GoldenPlus Index Annuity (1900)- A flexible premium, deferred, indexed annuity for the 403(b), 457, IRA and Roth IRA contributions. Providing all of the benefits traditionally associated with a conventional fixed annuity contract, but also credits interest based in part on the performance of the S&P 500 Index, without dividends.
More information (PDF - 2008 KB)
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