Annuity Options
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Annuity Options
Annuities are insurance products that offer principal guarantees and the opportunity for guaranteed lifetime income, making them appealing for those interested in retirement income strategies. ALEVO, a retirement income and insurance firm focusing on helping individuals, businesses and families protect their futures, offers tailored annuity strategies to help meet diverse financial needs.
The main benefit of annuities is the guaranteed income stream they offer, ensuring you have steady funds during retirement and reducing the risk of outliving your savings. Additionally, annuities provide tax-deferred growth, allowing your money to compound over time without immediate taxation, which can enhance your annuity's overall growth.
ALEVO offers various types of annuities. Income annuities provide regular payments for a set period or for life, offering a level of financial predictability. A fixed indexed annuity is a type of annuity that also focuses on growing your funds, offering you the ability to earn interest tied to the performance of an external market index (limited by the issuing company) while never being invested in the market itself or exposed to market losses.
By Integrating annuities into your retirement plan, where appropriate, can help you prepare for retirement with greater confidence. Annuities offer versatile benefits that can help enhance your long-term retirement approach. Annuities offer versatile benefits that can enhance any financial strategy, ensuring long-term security for you and your loved ones.
Fixed Annuities
Fixed annuities offer a guaranteed interest rate over a specific period, making them a conservative option. They protect the principal amount and provide consistent growth, which is especially beneficial in volatile market conditions. Fixed annuities may be a good choice for conservative consumers looking for steady and protected growth.
Income Annuities
Income annuities provide a guaranteed stream of income, typically for life or a specified period. They are ideal for securing retirement income and protecting against the risk of outliving ones savings. By converting a lump sum into regular payments, income annuities offer peace of mind and financial predictability.
Fixed Indexed Annuities
Fixed indexed annuities offer principal protection like fixed annuities, with the opportunity to earn interest tied to an external market index, such as the S&P 500, subject to limits set by the issuing company. They offer the potential for greater growth, while protecting your principal from market downturns. The worst you can do in a down year is remain flat.
ALEVO Financial & Insurance Agency
ALEVO is an Insurance Firm that offers retirement income and protection strategies using life insurance and annuity products. Our licensed insurance professionals are independent and can offer a wide array of insurance products and services to help meet your unique needs.
CA insurance license #6002118.
We are not affiliated with any educational or government agency, and do not provide investment, tax or legal advice. Always consult with your own qualified investment and tax/legal advisors. Insurance and annuity products are not suitable for everyone. They involve fees and charges, including possible surrender penalties. Optional benefits and riders may involve additional annual cost. Life insurance involves medical and often financial underwriting to qualify. Life insurance loans and withdrawals will reduce policy death benefits and cash values and may cause the policy to lapse or require additional premiums to keep the policy in-force. Annuity withdrawals are subject to ordinary income taxes, and potentially a 10% IRS penalty before age 59-1/2. Product feature and availability may vary by state. Fixed indexed life insurance and annuities are not investments in the market or index. Long term care riders on insurance and annuity products are NOT a replacement for long term care. The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. Interest credits are subject to limits set by the issuing company, such as caps, spreads and/or participation rates.
Guarantees are backed by the financial strength of the issuing company.
We offer insurance solution in the form of basic life insurance coverage to more complex retirement and business protection strategies for individuals as well as business.
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