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Annuities with money back guarantees.
Single Premium Immediate Annuities (SPIAs)
"If I die the insurance company keeps my money" This has been a concern of buyers of lifetime annuities. But our principal guarantee program solves this concern with the money back guarantee feature.

The money back guarantee or refund feature offers guaranteed protection of principal. In the case of death prior to the recovery of the original principal the beneficiary would receive the unpaid portion of principal as a continuation of payments or in a lump sum.

The money back guarantee PLUS or period certain feature can guarantee principal plus interest return even in the event of an early death. See examples on our Income Annuity page.
 
Single Premium Deferred Annuities (SPDAs)
"If I want my money early I get hit with a surrender charge"  A concern of buyers of deferred annuities when locking up funds in multi-year annuity. A Return of Premium feature guarantees that the contract cash surrender value will never be less than the premium paid, less any withdrawals.

Join FSD and have access to these great annuity products.

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