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Annuities

An annuity is a long–term financial vehicle designed for retirement. It’s a contract between you and an insurance company: you pay a sum of money called a premium – in a lump sum or over a period of time – in return for guaranteed payments later, typically at retirement.

Annuities come in three basic forms:

Fixed Annuities: Fixed rate annuities offer a fixed interest rate guaranteed by the claims-paying ability of an insurance company for a specified period of time - fixed annuities provide a guaranteed minimum interest rate, no matter what happens in the financial markets. This makes a fixed annuity less volatile than most stocks or other equity investments. Transamerica Life Insurance Company (Transamerica) has a variety of fixed annuities to offer policyholders with a variety of premium, interest crediting, living benefit and distribution options.

Indexed Annuities: Indexed annuities offer an interest rate that is linked to a market index. The market index is one factor, that together with any cap, determines the "excess" interest, if any, to be credited under the annuity. Indexed annuities do not invest in the stock market or any stock index fund. Their return varies more than a fixed annuity, but not as much as a variable annuity. Generally, indexed annuities offer greater protection of principal than variable annuities, due to the ability to "lock in" periodic interest credits. Indexed annuities with interest crediting formulas tied to the stock market have the potential to earn higher interest rates than traditional fixed annuities when the stock market is rising. Depending on the performance of the index, indexed annuities may not earn any interest in a given policy year or years, but policy values will not decrease solely due to poor market performance.

Variable Annuities: for more information visit the FINRA Website.

In order to discuss how an annuity may be beneficial to your overall investment objectives, please complete our Contact Us Form or call John H. Kaighn at (609) 827-0194.  

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*Jersey Benefits Advisors is a trade name registered in the State of New Jersey and Jersey Benefits Group, Inc. is a corporation registered in the State of DE.

*John Kaighn is a Registered Representative and an Investment Advisor Representative with and offering securities through Signator Investors, Inc. a John Hancock Financial Network Company, Member FINRA & SIPC. Non securities products and services are not offered through Signator Investors, Inc. Signator Investors, Inc. is not affiliated with Jersey Benefits Group, Inc. or Jersey Benefits Advisors. Neither Signator Investors, Inc. nor its representatives provide legal, tax nor accounting advice. Persons who provide such advice do so in a capacity other than as a representative of Signator Investors, Inc..

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