Annuities are powerful financial tools that convert your savings into a predictable, dependable income stream—often guaranteed for life. They help remove the uncertainty of retirement by ensuring you won’t outlive your money and protecting your principal from market risks, while offering tax-deferred growth and flexible payout options. In short, annuities provide a disciplined, secure way to turn what you’ve built into lasting financial confidence. In fixed and indexed annuities, the insurance company bears the primary risk.
Offers a guaranteed interest rate and predictable Income.
Returns linked to a market index, with downside protection and upsides using caps, participation rates and spreads.
Returns depend on market investments, highest potential but full market risk.
Begin paying stream of income shortly after a lump-sum investment.
Income stream starts at a later time usually a couple of years after investment.
Designed with enhanced income riders to maximize lifetime income payouts. Includes features like roll-out rates for future income.
Emphasize growth potential using more aggressive crediting strategies. May have higher caps or participation rates. Ideal for building value before turning on income.
Pay income as long as you live.
Pay for a specific period (e.g. 10 or 20 years)
Continue payments for two people, usually spouses.
CARANGUE FINANCIAL SERVICES
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