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The purpose of a fixed annuity from a life insurance company is to accumulate money on a tax-deferred basis for later pay out during retirement in the form of income. Fixed annuities offer the advantages of principal and minimum interest rate guarantees. Some forms of fixed annuities, known as fixed index annuities provide the opportunity to link some or all of their interest earning potential to the performance of external indexes.

Benefits offered by annuities include:

  • Tax-deferred growth potential
  • Potential for indexed interest
  • Guarantees to your principal
  • The option to take a lifetime income stream
  • Avoiding probate with a properly named beneficiary other than your estate

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