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Both Fixed and Variable Annuities are insurance products and are designed for long-term retirement income. Annuities are not intended to replace emergency funds or to fund short-term savings goal. Earnings are taxed as ordinary income when withdrawn. There may be a 10% federal tax penalty on withdrawls before age 59 1/2. Naturally, your death benefit and the cash value of the annuity contract will be reduced if you take any early withdrawls. All Guarantees are subject to the claims playing ability of the issuing insuranc company. These guarantees do not apply to the underlying investment options or their performance. Additionally, if purchased within a qualfied plan, an annuity will provide no further tax deferral features.
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The NAIFA National Quality Award is issued by the National Association of Insurance and Financial Advisors and is awarded based upon policy persistency which is determined by a sliding scale depending upon the number of qualifying policies sold that year. Recipients are determined by the production requirements for that year. The financial professional did not pay a fee for this award and clients were not consulted for this award. For more information please visit
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