Your trusted guide to
Annuities and Retirement Solutions
Plan for a secure retirement with a guaranteed income stream. We can help you understand how annuities can provide lasting financial stability.
What it covers
Understanding Your Options
An annuity is a contract between you and an insurance company.
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Fixed Annuities
These provide a guaranteed interest rate and a predictable income stream. They are a conservative option for those who want security and a dependable rate of return.
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Variable Annuities
The value of these annuities is tied to market performance. They offer the potential for greater growth but also carry more risk.
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Deferred Annuities
Payments begin at a specified future date, allowing your money to grow tax-deferred for years or decades.
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Why it matters
Why an Annuity Might Be Right for You
An annuity is a contract between you and an insurance company. In exchange for a lump-sum payment or a series of payments, the company provides a guaranteed stream of income that begins at a later date you choose.
Annuities can be a great option if you are nearing or in retirement and want to create a reliable income stream, concerned about outliving your savings and want peace of mind, or looking for a way to supplement other retirement income like Social Security or a pension.
Unlike a life insurance policy, which protects against a premature death, an annuity provides protection against a long life, ensuring you have a steady paycheck for as long as you live.
How they are sorted
Moreno Insurance Agency provides many types of annuity solutions, classified as
- Nature of the underlying investment, fixed or variable
- Primary purpose, accumulation or pay-out (deferred or immediate)
- Nature of pay-out commitment, fixed period, fixed amount, or lifetime
- Tax status, qualified or nonqualified
- Premium payment arrangement, single premium or flexible premium
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Answers
Annuities questions
Answers to the questions our office is asked most. If yours is not here, call and ask us.
Unlike a life insurance policy, which protects against a premature death, an annuity provides protection against a long life, ensuring you have a steady paycheck for as long as you live.
An annuity is a contract between you and an insurance company. In exchange for a lump-sum payment or a series of payments, the company provides a guaranteed stream of income that begins at a later date you choose.
Immediate annuity payments begin within one year of purchase. Deferred annuity payments begin at a specified future date, allowing your money to grow tax-deferred for years or decades.
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Tell us what you want covered. If your current policy is already the right one, we will tell you that too.