申博菲律宾app's insurance-licensed associates assist you in the customized selection of fixed and variable annuities best suited for your individual needs.

年金的优势

• The power of tax deferral works toward producing larger retirement assets. 使用这个计算器 看看延期纳税对你来说意味着什么.
• 你可以控制自己的收入何时开始纳税.
• 一般来说，你没有预付销售费用.
• 年金 can provide a death benefit to guarantee your heirs your principal and can provide guaranteed future income for current owners. (Guarantees are based on the claims-paying ability of the issuing insurance company, additional charges may apply for some contract features.)
• 年金 can provide guaranteed lifetime monthly income for one or two lives.

年金的种类

• 固定年金-在固定年金中, funds are invested for a guaranteed interest rate for a fixed number of years. Interest may accumulate or be withdrawn as needed, paying taxes only on the amount withdrawn. 典型的期限从一年到十年不等.
• Fixed Index 年金 - Interest credited to a fixed index annuity is linked to the performance of a stock market index. 然而, your participation in any gain experienced by the index will be limited to the percentage of the gain set by the insurance company. 这限制了你的盈利潜力, while the insurance company helps to protect your principal in negative markets through a minimum guaranteed contract value.
• 可变年金-有可变年金, funds are invested in a professionally managed portfolio of stocks, 债券, 或两个, 取决于你的选择. 回报因投资组合的表现而异. Earnings may be withdrawn as needed, paying taxes only on the amount withdrawn. Many of the portfolio managers are the same as today's most popular mutual funds. Variable annuities also offer an optional guaranteed future income payment regardless of the contract's subaccount performance. Variable annuities also offer guaranteed death benefits that guarantee your beneficiary at least the amount paid, 或更多的, 不管投资组合的回报如何. Since the living and death benefit guarantees are based on the claims-paying ability of the issuing insurance company, it is important to choose a financially secure insurance company.
• Immediate Annuity - An immediate annuity generates guaranteed income as soon as it is 购买d and for a set number of years or for one or two lives. 即时年金可以是固定的，也可以是可变的.

Consult with your 申慱sunbet手机版 Advisor to learn about the benefits of annuities and how they may fit into your portfolio. 申博菲律宾app has relationships with numerous quality insurance companies.

重要的信息披露