Why Annuities?

Advantages of Fixed Annuities
Inflation and taxes, coupled with today's uncertain markets, provide many challenges to saving for retirement. Unlike some other traditional investments, fixed annuities offer guarantees, opportunities for tax-deferred growth, and the options for a lifetime income stream. Fixed annuities provide several advantages for those who want to protect their principal, accumulate interest on their retirement savings over time, and have a lifetime income stream.

Guarantees
You are guaranteed the greater of your principal or a minimum interest rate on all or a percentage of each contribution, less any withdrawals or deductions from your policy.

Tax-Deferred Growth
Because you pay no income tax on any earnings until they are withdrawn or distributed, tax deferral allows you to accumulate even more through compounding interest-on your premiums and any interest they earn.

Guaranteed Income Option
Once you elect from a variety of settlement options, your annuity is converted to a guaranteed income stream. Lifetime options can help protect you from outliving your income.

Leaving a Legacy to Beneficiaries
Fixed annuities are often suitable vehicles for passing assets to your heirs. Some annuities offer extra features that help offset your beneficiaries tax burden.

Beneficiary Rider Plus Individual Policy Form No: IIC-BRP-302. Policy forms and numbers may vary.

Legacy Marketing Group^® has a patent from the USPTO for the original Beneficiary Rider: Patent No. 6,611,808 B1. The Beneficiary Rider Plus is the second generation of the Beneficiary Rider. For use with non-tax-qualified annuities only. Issue ages 0-74.

Products, features, and rider may not be available in all jurisdictions. Refer to the contract for exact terms and conditions.

Guarantees are based on the claims-paying ability of Investors Insurance Corporation.

NOTE: Investors Insurance Corporation and its representatives do not give legal or tax advice. This Web page simply reflects our understanding of the tax rules and regulations in effect at the time of publication. Please consult your personal tax advisor regarding annuity taxation as it applies to you.