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What is an Annuity?

An annuity is a contract between you and an insurance company for a specified period of time.

Annuities bypass probate, which means your money goes directly to your beneficiaries.

Corporations use annuities as a retirement option for benefits.

Courts of law use annuties in Structured Settlements.

Index Annuity

An annuity that is tied to a stock index such as the S&P 500. If the index is up you get a percentage of the gains. If the index is negative, your account stays even. Each company offers different rates of return and benefits.

Ask our licensed representative for more information.

The investor gives the insurance company a lump sum of money in return for regular stable income payments for life. There are tax advantages with this type of annuity.

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This is the same type of annuity as an Index annuity with the feature that you can make additional contributions at any time.

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These are essentially CD-like investments issued by insurance companies. Like CDs, they pay a guaranteed interest rate for a specific period of time.

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This type of annuity is tied directly to the stock market. Investors choose from a portfolio of mutual funds. This type of annuity can generate high fees in return for the opportunity to get higher gains in the stock market.

Over time the fees can out weigh the return on investment.

NORTHERN STATES MANAGEMENT

Office Number

(208) 297-7781

Fax Number

(208) 567-2370

Office Location:

2438 E Brigantine Ct.

Eagle, Id 83616

Idaho Ins. License # 533018 www.annsorce.com

When I got older I realized I was on the wrong financial path, so I changed it. It's not too late for you.