An annuity is a contract with an insurance company.
You contribute a lump sum (or monthly payments), and in return, the annuity provides:
| Features | Fixed Annuity | Indexed Annuity |
|---|---|---|
| Guarantee | Fixed interest rate | Market-linked, but never negative |
| Growth Potential | Lower | Higher (index tracking like S&P 500) |
| Market Risk | None | None (0% floor) |
| Liquidity | May have withdrawal limits | Same — with income rider options |
| Taxes | Tax-deferred until withdrawal | Tax-deferred until withdrawal |
✅ Safe Growth – your principal is protected
✅ Lifetime Income – paychecks that keep coming, no matter how long you live
✅ Tax-Deferred Growth – no taxes until you withdraw
✅ Optional Bonuses – some contracts offer upfront income boosts
✅ Legacy Options – leave unused value to your heirs
A: No. Indexed annuities have a 0% floor. Your principal is protected.
A: No. Most annuities allow 10% penalty-free withdrawals annually, and income riders create flexibility.
A: Not at all. Many clients in their 40s and 50s use annuities to grow money safely while protecting their future income.
A: Yes — unused value can go to your named beneficiaries.
✅ Safe Growth – your principal is protected
✅ Lifetime Income – paychecks that keep coming, no matter how long you live
✅ Tax-Deferred Growth – no taxes until you withdraw
✅ Optional Bonuses – some contracts offer upfront income boosts
✅ Legacy Options – leave unused value to your heirs
Lacey Life Financial™ • Orlando, FL • NPN: 21643251