A variable annuity combines
the features of an investment product, which can provide growth
potential and inflation protection with an insurance contract, which
can give you access to certain income, death benefit and wealth
Typically, a variable annuity comes with a
menu of professionally managed investment options from which the
investor can choose when allocating the annuity investment. The
insurance company does not share in profits of investments or protect
losses. They carry the same risks as individual stocks, bonds or mutual
funds. For example, if the securities invested in within your annuity
go up 20%, you keep all of the gains. If the investments decline 20%,
you must take the loss. Variable annuities afford flexibility, allowing
investors to invest simultaneously across a wide array of securities:
bonds, mutual funds, stocks, futures, etc. They are designed for more
aggressive investors who desire investment flexibility.
you are planning for retirement or other long-term goals, a variable
annuity offers the earnings potential of the equity markets combined
with professional money management, tax deferral, beneficiary
protection and guaranteed income payments for life.
You may want to consider a variable annuity if you:
Compare variable annuities to fixed and immediate annuities
our strategic partners, your Ziegler financial advisor has a host of
annuity options available for you. Contact your financial advisor or
call our Client Service Center at 888.816.4466 to discuss your goals
and find out if a variable annuity is right for you.
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