SOUTH TEXAS INVESTORS CLUB,LLC dba, INTEGRITY FINANCIAL GROUP
INTEGRITY FINANCIAL GROUP
Fixed index annuities
Fixed index annuities provide the guarantees of fixed annuities, combined with the opportunity to earn interest based on changes in an external market index. But because you're not actually participating in the market, the money in your annuity (your "principal") is not at risk.
A fixed index annuity may be a good choice if you want the opportunity for accumulation, but don't want to risk losing money in the market.
Fixed index annuities can offer:
One or more index allocation options
A choice of crediting methods
Income options, including income for life
Death benefit options
Optional benefits that may help protect your retirement assets and income (available at an additional cost)
How do fixed index annuities work?
You give the insurance company money in one or more payments.
The insurance company then invests it on behalf of all annuity owners.
During the accumulation phase, your annuity will earn a fixed rate of interest that is guaranteed by the insurance company.
You defer paying taxes on your contract’s interest until you receive money from the contract. Tax-deferred interest means the money in your contract can grow faster.
After a period of time specified by your contract, you may then receive the amount allowed by your contract in a lump sum, over a set period of time, or as income for the rest of your life. This is known as the distribution phase.
Purchasing an annuity within a retirement plan that provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefit. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan.
Bonus annuities may include annuitization requirements, longer annuitization or surrender charge periods, higher surrender charges, lower interest rates, lower caps, higher spreads, or other restrictions not included in annuities that don't have a premium bonus feature.
Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.
Guarantees are backed by the financial strength and claims-paying ability of the carrier you select..
• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIFT
"INTEGRITY IS CHOOSING YOUR THOUGHTS AND ACTIONS BASED ON VALUES RATHER THAN PERSONAL GAIN."
ANNUITIES*ALTERNATIVE INVESTMENT * LIFE INSURANCE * WEALTH TRANSFER*CD'S
FIXED INDEXED ANNUITIES