Michigan Financial Planner ISMG Insurance Annuities Shelby Townsh

Michigan Financial Planner tired of the ups and downs of the market, ISMG can help ismg@michigan-financial-planner.com  ismg financial services.com 

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ISMG Michigan Financial Planning

Are There Different Types of Annuities? Yes
There are fixed annuities, fixed indexed annuities and Immediate
Annuities also known as Single Premium Immediate Annuities.

Fixed Annuities

A traditional fixed annuity is like a Certificate of Deposit (CD) paying A specific interest rate declared by the insurance company for a Specific period say 5 years. Interest earned can either be deferred or if elected interest can be paid monthly usually beginning after 30 days. If the owner dies the annuity is paid to a designated beneficiary.

Fixed Indexed Annuities

A fixed indexed annuity is linked to a specific index and if the index goes up your account value goes up, not participating in the market directly but tracking the market. If the index goes down following The market your account value stays the same.

YOU NEVER LOSE YOUR PRINCIPAL. If the index goes up your account value goes up.

Immediate Annuities/ Single Premium Immediate Annuity

An immediate annuity is like a pension plan. You give the Insurance Company a lump sum of money let’s say $100,000 dollars and they then provide a guaranteed payment to you, usually on a monthly basis for the rest of your life or on a joint basis, you and your spouse or for some specific period of time. Optional choices of payout are available based upon your needs and what is best suitable for you.

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ISMG FINANCIAL SERVICES IN SHELBY TOWNSHIP

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