FSD Insurance & Financial Services - Independent Fixed Annuity & Life Insurance IMO
FIXED ANNUITIES
Fixed annuity experts. Where life insurance licensed professionals go for their guarantees.
Income & Accumulation Annuities
Product Lines
Multi-Year Guarantee (MYG)
Guaranteed accumulation product.
- Guaranteed interest rates accumulate gains every year
- Tax deferred until withdrawn
- Compounding interest
- Surrender free withdrawal provisions
- Initial guarantee periods 2 to 10 years
- Contractual minimum interest rate after initial guarantee
- No assumptions, just guarantees, from day one.
- Interest rate is net of all internal fees
(SPIA) Single Premium Immediate
The insurance product built to guarantee Income NOW!
- Single or Joint Lifetime Income
- Beneficiary guarantees with Installment or Cash Refunds
- Fixed Term Period Certain Only (2-30 Years)
- Non-Qualified | Qualified | Roth
- Deferred Start (DIA) (QLAC)
- Liquidity With Commutations
- Cost Of Living Adjustments For Inflation (1% - 10%) COLA
- Exclusion Ratio: A portion of payments may be tax excluded
- Direct deposit of payments
- Sample SPIA Quotes
(FIA) Fixed Indexed Annuities
The potential to earn higher rates than MYG annuities currently guarantee!
- Unique Un-Capped Crediting Methods
- Lifetime Income Rider Options (GMWB)
- Surrender Free Withdrawal Provisions
- Simple To Understand Pt. 2 Pt. Crediting Index Crediting Methods
- Annually Reset & Lock-In Interest Gains
- Alternative To Fixed Rates
- Historical & Hypothetical Illustrations