Deferred Income Annuities

Guaranteed Income to Count On When You Need It

Its taking that second vacation instead of giving it a second thought.  It's planning a room renovation with confidence instead of planning it with doubt. It's spending more time with your family instead of worrying about how much you're spending. You've worked hard and done all the right things to plan for your retirement.  Now keep a good thing going by adding guaranteed income to your future cash flow.  Consider a deferred income annuity to add a guaranteed portion of your income in retirement.  

Don't Just Look Forward to a Long Retirement 

Most people underestimate how long they're going to live. This means they also misjudge how long their money will need to last.  Chancer are, a long retirement is in your future. Over the last 40 years average life expectancy has increased by more that 10 years. In fact, statistics show that for a 65-year-old couple, there's an almost 20% chance of one of them living to age 95.2

How Do Deferred Income Annuities Work?

A deferred income annuity provides a stream of guaranteed income, and can be purchased before or after you retire. The money used to purchase your annuity—which you invest as a lump sum or in a series of payments—generates a stream of income that starts on a future date that you choose. Each income payment is made up of a return of your premium, interest paid by the insurer, and a component from risk pooling, something offered only by insurance companies.

With a deferred income annuity, you purchase a fixed investment vehicle, and you are not investing in or exposed to the equity markets—meaning you will not participate in any market fluctuation or performance. Instead, by purchasing a deferred income annuity, you trade liquidity and full access to your money for predictable, uninterrupted income payments guaranteed for life. These are paid to you by an insurance company, creating a strategy to insure your retirement assets in the form of an income stream.*

Three Reasons to Consider a Deferred Income Annuity: 

1. It Lasts a Lifetime
Receive income for your entire life.
Did you know people tend to underestimate how long they are going to live? Chances are, a long retirement is in your future. So plan accordingly—the income from a deferred income annuity ensures that no matter how long your retirement is, you will continue to receive payments.

2. It's Dependable
Enjoy guaranteed income not tied to market fluctuations.
Some people withdraw money from their investments to help pay for retirement. But stock market losses can have a significant impact on this strategy. Think about it: Withdrawing money from a declining investment can quickly shorten how long it will last. By adding a deferred income annuity to your overall portfolio, you can remove some of this risk and unpredictability. The income you receive is fixed and is not tied to the stock market, so you can count on it for retirement and for the rest of your life.

3. You Can Keep Up with Inflation 
Use optional features to help maintain your purchasing power.
Over the past few decades, rising prices for gas, groceries, and education serve as clear examples of inflation’s impact on our lives. Conveniently, deferred income annuities can offer optional features** to help protect your income from the effects of inflation, allowing you to keep up with current economic environments throughout your retirement.

It's Designed Just for You and Your Spouse

When do you need your income?
Your income can start as early as two years from when you purchase your policy or as far out as 40 years. It’s up to you.
How often would you like to receive your income?
Choose to receive your income payments as frequently as monthly, quarterly, semiannually, or annually.
Share your income through joint ownership.
If you want your income to also cover your spouse throughout their lifetime, you can purchase a joint life deferred income annuity.

If you are currently in or nearing retirement and looking for lifetime income, a deferred income annuity may be appropriate for a portion
of your retirement assets.
Talk to our financial professional about how a deferred income annuity may fit into your overall retirement strategy.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. Anderson Brothers Bank and Anderson Brothers Investment Services are not registered as a broker-dealer or investment advisor.  Registered representatives of LPL offer products and services using Anderson Brothers Investment Services, and may also be employees of Anderson Brothers Bank. These products and services are being offered through LPL or its affiliates, which are separates entities from, and not affiliates of,  Anderson Brothers Bank or Anderson Brothers Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any
Other Government Agency
Not Bank 
Not Bank Deposits
or Obligations
May Lose Value 

Anderson Brothers Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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