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An annuity is a contract between you and an insurance company; you make a lump-sum payment or series of payments and in return, the insurer agrees to make periodic payments. Annuities typically offer tax-deferred growth of earnings and may include a death benefit that arranges to pay your beneficiary.

There are generally two types of annuities we offer: fixed and indexed. A fixed annuity provides payment of a specific sum of money at a fixed rate of return for a fixed period of time. Indexed annuities are a special class of annuities that yields returns on your contributions based on a specified equity-based index.

For fixed or indexed annuities, contact Brad Taylor or Terry Smestead.