Tax-Deferred Annuities Is a Tax-Deferred Annuity Right for me? Are you at a point in your life where you can’t afford the down-turns of the stock market?Would you like to participate in market gains without the risks?Do you wish your traditional savings account offered better interest and accelerated growth?If you answered yes to any of these questions, call us to learn about the advantages of fixed and indexed annuities.Annuities are arguably the most common and most utilized investment strategy available today, but also the most misunderstood by consumers. Many people have no idea of the very different and unique types of annuities available. Instead, they have been misled by both the media and certain financial personalities who misrepresent and lump all annuities together as if each one works exactly the same.We want to educate you about the advantages of tax-deferred annuities. Some of these advantages include:Tax-Deferral: postponing taxes on interest until sometime in the future. Therefore, your interest earns interest!Savings: With CDs and money-markets paying very low interest, many people today are using tax-deferred annuities as a means for greater interest. And remember, interest earns interest in an annuity! Instead of paying taxes on interest, you are gaining interest on interest.Safety: A qualified legal reserve life insurance company is required to meet its contractual obligations to you. These reserves must, at all times, be equal to the withdrawal value of your annuity policy. In addition to reserves, state law also requires certain levels of capital and surplus to further increase policyholder protection. State insurance laws also require that a life insurance company must maintain certain minimum levels of capital and surplus, which provide additional policyholder protection.Avoiding Probate: At death, an annuity is passed on to your named beneficiary or beneficiaries without going through the legal frustrations and delays of probate. Please note, however, that the annuity contract is part of your taxable estate. For more information about Tax-Deferred Annuities, send us a quick email or call the office. We welcome the opportunity to speak with you.