Helpful Information About Fixed Index Annuities

Annuities, financial products issued by insurance companies, are popular among investors who demand guaranteed income or safe investments. They either accrue interest or yield a steady stream of income and come in numerous structures.

SC Financial, with annuities as a specialty, provides expert guidance for investors, ensuring stress-free personal investments.

Types of Annuities Available to Investors

At SC Financial, we provide Fixed Rate and Fixed Indexed Annuities that provide the guarantee of principal at all times.

This hybrid investment safeguards your interest earnings against market losses while guaranteeing growth.

The investor ties the accumulated interest to a chosen index, like the S&P 500, ensuring your capital works harder. It also offers tax-deferred earnings, ensuring a secure income for you and your beneficiaries.

Provision is made for emergency withdrawals, contributing to a worry-free retirement plan. Trust our company for a progressive and professional approach to your fixed-index annuity investments.

Deciding if an Annuity Is the Right Choice for You

Fixed indexed annuities can offer an immediate bonus to your deposit and offer higher earnings than a Bank CD offered by banks. SC Financial frequently consults investors interested in exploring annuities.

 Our approach, informed by understanding your unique situation, centers on fixed index annuities, encompassing scenarios typically encountered by investors:

  • Those who diligently accumulate assets through a 401(k), IRA, or other retirement fund need a sustainable income for the balance of their retirement years.
  • Individuals weary of market volatility threatening their portfolio, seeking a secure, steady return greater than CDs, along with principal protection surpassing stock market security.
  • Devoted CD investors are discontent with low yields, requiring a sensible return rate coupled with principal protection and safety.

We're here to walk you through the alternatives to provide the financial stability and reassurance you need in retirement.

A man and woman sitting on top of a couch.
A group of tall buildings with blue sky in the background.

How Do Annuities Work?

Annuities are a form of insurance contract where you invest money, either as a lump sum or in installments. In return, you receive either a single payment or regular income in the future. The payout depends on the type of annuity and its specific terms.

Author - Suze Orman Book Entitled The Road To Wealth says “If you do not want to take any risks but still want to play the stock market, a good indexed annuity may be right for you.”

Why Invest in an Annuity?

Annuities offer a flexible and stable investment option with significant tax benefits, allowing your investments to grow tax-free until withdrawal. Customizable to your preference, they can even be bequeathed to heirs.

Our experts are on hand to further explain the benefits and complexities of annuities.

A compass with the word insurance on it.

Annuities offered through SC Financial Insurance Agency, LLC

How We Can Help

At SC Financial, we specialize in reliable financial services, including annuities and CDs. Our primary focus is on your best interests, providing secure retirement planning for optimal yields. Let us guide you to a secure future. Contact us today.