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Educate Yourself - Time To Rethink Retirement
Saving for your future is more important than ever today. Traditional defined pension plans have fallen by the wayside and the cost of living is increasing every year. Advances in medicine have given us longer lives but the cost of healthcare is skyrocketing. Every American has a greater responsibility to save.

Understanding
The Basics
A fixed index annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future....

Who's Who in a Fixed Index Annuity
Insurance Company: This is the company that issues the annuity. The insurance company is responsible for backing the annuity’s guarantees.
Contract Owner/Annuitant: These usually are the same person, but they can be different. The owner makes decisions about the...

Understand
the Benefits
A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income. Let’s take a...

Tax
Defferal
A fixed index annuity offers tax advantages. During the accumulation phase of your contract, any interest growth is tax-deferred. If you purchase your fixed index annuity with after-tax dollars, you will only pay ordinary income taxes on your earnings – not on your...

Indexed Interest Potential
Another advantage of a fixed index annuity is the opportunity to accumulate interest based on changes in an external index. Some FIAs offer you a choice of indexes rather than just one. In addition to choosing your indexes, you can also determine what portion of your...

Protection Benefits
A third important advantage of a fixed index annuity is the range of guarantees and optional protection benefits available. These benefits allow you to transfer risk to the insurance company issuing the fixed index annuity. These guarantees help protect your assets, your retirement income, and your beneficiaries. In exchange for the risk transfer, the benefits may carry an additional cost that will vary by product and company.
ACCUMULATION:
Annuities are subject to surrender charge periods which can vary, but are generally between 5 and 10 years in duration. As long as you abide by the terms of your contract, you will not lose any of the money you place in your annuity due to surrender charges. And any interest credited to the contract is locked in and protected as well.
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