Question 1

What is an annuity and how does it work?

Accepted Answer

An annuity is a contract between you and an insurance company. You deposit a lump sum and the insurer guarantees your principal, provides interest or growth, and can convert your savings into guaranteed lifetime income.

Question 2

Are annuities safe?

Accepted Answer

Fixed and fixed indexed annuities are among the safest financial products available. Your principal is guaranteed by the issuing insurance company and backed by state guaranty associations.

Question 3

How do annuity rates compare to CDs?

Accepted Answer

Multi-Year Guaranteed Annuities (MYGAs) typically offer higher interest rates than bank CDs for comparable terms, and your interest grows tax-deferred — unlike CDs where interest is taxed annually.

Question 4

What states do you serve?

Accepted Answer

We serve clients across the Tri-State region: Ohio, West Virginia, and Kentucky. Our licensed advisors help residents compare annuity rates and build guaranteed retirement income strategies.

Question 5

What is a fixed indexed annuity?

Accepted Answer

A fixed indexed annuity (FIA) is a type of annuity that earns interest based on the performance of a market index like the S&P 500, while protecting your principal from market losses. You participate in market upside without risking your savings.

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