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What are Annuities?

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.

Why do people buy Annuities?

People typically buy annuities to help manage their income in retirement. Annuities provide three things:

  • Periodic payments for a specific amount of time. This may be for the rest of your life or the life of your spouse or another person.

  • Death benefits. If you die before you start receiving payments, the person you name as your beneficiary receives a specific payment.

  • Tax-deferred growth. You pay no taxes on the income and investment gains from your annuity until you withdraw the money.


Deferred Annuities

Deferred annuities help your clients accumulate assets for retirement and provide them with the peace of mind of knowing that their investment will not decline in value by offering tax-deferred growth and a fixed rate of return. For a single initial investment, deferred annuities earn a fixed rate of interest over time and your client’s money grows tax-deferred until they decide to begin receiving annuity payments.


Income Annuities

Income annuities provide your clients with a guaranteed, reliable income stream that they can’t outlive, which can help ease their financial worries in their retirement years. If your clients are nearing retirement age or are already retired, income annuities provide a supplement to their retirement income through a series of income payments throughout their lifetime or for a specific period. Your clients can use the income however they wish, including paying for basic day-to-day living expenses.

Single Premium Deferred Annuities

It’s never too early to start planning for retirement. When selecting the most appropriate retirement vehicle for you, keep in mind your investment objective, risk tolerance, and investment time horizon. A single premium deferred annuity is a product, that for a single initial investment, earns a fixed rate of interest and your money grows tax deferred until you decide to begin receiving annuity payments. If tax-deferred growth and a fixed rate of return are important to you, Ultra-Secure® Plus offers rate guarantees of five and seven years that may fit your needs.


Fixed indexed deferred annuity can be a valuable asset:

Potential interest based upon growth of a stock market index.

  • Enjoy the upside of the market without the downside.

  • Tax deferred growth.

  • Guaranteed income for life and other options.

  • Free withdrawals up to 10% of your premium.

  • Guaranteed death benefits.

  • Protection for your beneficiary.

  • Full access to the full amount value at maturity (5-10 years option)








Start building a better financial future today.  (Contact Pheme Evans for more information).


Langley Insurance & Financial Enterprise offers free, comparative quotes on any of our Annuity Product, from multiple insurance carriers so you can get the best possible rate.  Want to see how much we can save you? Just request a quote to find out

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Is My Money Going to Run Out in Retirement?  To live the life you want to lead in retirement, start early by setting goals and creating a saving and investing plan that will help you achieve those goals.

New Resources for Older Investors.  Never stop learning, especially when it comes to protecting your hard-earned money and investing for your future.

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