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Annuities

a woman dropping change into her piggy bank similar to annuities

What Do We Offer?

  • Multi-Year Guarantee Annuities (a.k.a. Fixed Percentage Annuities)
  • Equity Indexed Annuities
  • Single-Premium Immediate Annuities (SPIA’s)

Why are Annuities important?

  • Guarantees
    • SPIA’s – provide income with many guaranteed payout options, including life options that can’t be outlived.
    • Growth – Fixed annuities provide peace of mind for stable, long-term growth. Multi-Year Guarantee Annuities provide guaranteed annual percentage rates, while Equity Indexed Annuities determine the annual percentage yield within your annuity by referencing indexes such as the S&P 500.
    • Safety against market downturn – All fixed annuities guarantee that your initial principal and previous years’ growth will never be lost.
  • Protection against law suits – There are a few states, such as Florida and Texas, that have laws in place where annuities can provide protection from creditors and frivolous lawsuits. The poster-child example of this protection is O.J. Simpson, who was reported to have lived on money he had in annuities after the civil judgment against him in 1994.
  • Tax-Deferred Growth – Just like 401K’s and Traditional IRA’s, growth within annuities is tax-deferred. This means that growth is not visible to the IRS, and is not taxable until it is removed from the annuity contract. This tax-deferred strategy yields higher returns as compared to taxable investments offering the same percentage rate.

How to Get Started:

  • Contact Us to complete a needs assessment
  • Discuss income, assets, risk tolerance, liquidity of existing money, and planning for Long Term Care
    • This conversation will help to determine whether an annuity is the most suitable vehicle to accomplish the client’s goals, and
    • Will give us enough information to properly choose the annuity with the right guarantees and features to accomplish your goals
  • Fill out an application

Contact Us

Our Services

  • Life Insurance
  • Medicare Supplemental Coverage
  • Disability
  • Small Business Benefits
  • Long Term Care
  • Annuities

Insurance Advocates, Inc

3200 Steck Avenue, Suite 250
Austin, TX 78757
Office: (512) 551-0745
Fax: (888) 950-3304
info@insurance-advocates.com

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