什么是年金?
An annuity is a type of policy issued by an insurance company to promise you an income that can last you a lifetime.
Even after you stop working, bills will still come in. Count on your fixed annuity for a dependable income stream to help you handle some of the basic costs of living.
国营农场® 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI) or 国营农场 生活 and Accident Assurance Company (Residents of NY and WI only) offers three annuity options.
保证
现在的收入
Convert a portion of your retirement assets into guaranteed lifetime income that starts immediately.
- Income can start after the first month or up to 13 months after the policy is issued.
- You can elect to receive guaranteed payments for life, or elect payments to be made over a specified length of time (period certain).
- Our Optional Annual Increase Benefit allows you to increase your annuity payments from 1% to 5% annually.
- Ideal at or near retirement when you’re ready for help with retirement expenses.
未来
收入加上
Diversify a portion of your retirement assets into conservative long-term investments.
- A guaranteed interest rate.
- The tax-deferral and compounding of interest provided by an annuity can help it grow larger than an equal amount placed in a taxable account.
- The option to generate guaranteed lifetime income.
- It can also be used to fund traditional IRAs, 罗斯IRAs, and Simplified Employee Pension Plans.
保证
收入后
Convert a portion of your retirement assets into guaranteed lifetime income beginning at a future date.
- Income can start as soon as 13 months into the future, or, 取决于你的年龄, 30年后.
- Our Optional Annual Increase Benefit allows you to increase your annuity payments from 1% to 5% annually.
- Adding a Qualified Longevity Annuity Contract (QLAC), can give you more flexibility because it enables you to delay a portion of your funds until age 85. Consult your tax advisor for individual tax advice.
- Best when approaching retirement and you can delay taking your first payment.
披露的信息
This is a general description of coverage. A complete statement of coverage is found only in the policy.
联系你的 州立农场代理 for details on coverage, costs, and restrictions.
Neither 国营农场 nor its agents provide tax or legal advice. Please consult your tax, legal, or investment advisor regarding your specific circumstances.
Each 国营农场 insurer has sole financial responsibility for its own products.
Guarantees are based on the claims-paying ability of the issuing 国营农场 life insurance company.
In a tax-qualified retirement plan, federal-income-tax deferral is provided by the tax-qualified retirement plan. No additional tax deferral is provided by an annuity. You should contact your attorney or tax advisor for more complete information.
pp王者电子官网 policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.
未投保FDIC
无银行担保
可能失去价值
出具:
国营农场 人寿pp王者电子官网 Company (Not licensed in MA, NY, or WI)
国营农场 生活 and Accident Assurance Company (Licensed in NY and WI)
伊利诺斯州布卢明顿
IL-100.5