Annuity Checklist

The ability to earn market-linked returns with minimum guarantees.
The ability to securely lock in all gains against any market downturn.
The ability to take a lump sum when the liquidity charge period has ended.
The ability to pass your entire account value to a named beneficiary and avoid probate.
The ability to ensure distributions to heirs are incontestable upon your death.
The ability for any non-spousal beneficiary to stretch the income over their lifetime.
The ability to receive guaranteed income for life.
The ability to be 100% creditor proof in states where applicable.
The ability to potentially protect your annuity from “Medicaid Spend-Down”, if nursing home confinement is required.
The ability to accumulate and compound your interest earnings without increasing your tax on social security income.
The ability to accumulate and compound your interest earnings in a tax-deferred environment.
The ability to withdraw 10% free from your account every year without incurring liquidity charges.
The ability to withdraw funds free from liquidity charges in the case of a medical emergency.
The ability to deposit funds 100% free from front-end fees or annual charges.