1. Deferred, Fixed Annuities
What are they?
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INVESTMENT DECISIONS.

2. ONE – Definition of an “Annuity”
 A financial product sold by financial
institutions that is designed to
accept and grow funds from an
individual and then, upon
annuitization, pay out a stream of
payments to the individual at a later
point in time.
 Annuities are primarily used as a
means of securing a steady cash flow
for an individual during their
retirement years.
 Def: by Investopedia
Typically An
Insurance
Product
A Vehicle for
“Growing” &
Distributing Cash
WE ARE NOT LICENSED TO GIVE TAX ADVICE, BE SURE TO CONSULT WITH YOUR TAX ADVISOR BEFORE MAKING
INVESTMENT DECISIONS.

3. TWO - Definition of a “Deferred
Annuity”
 A type of annuity contract that
delays payments of income,
installments or a lump sum until the
investor elects to receive them.
 This type of annuity has two main
phases, the savings phase in which
you invest money into the account,
and the income phase in which the
plan is converted into an annuity and
payments are received.
 Def: by Investopedia
Deferred Means
that The Account
Value Is Paid Out
Later…
Lump sum or
Payments
WE ARE NOT LICENSED TO GIVE TAX ADVICE, BE SURE TO CONSULT WITH YOUR TAX ADVISOR BEFORE MAKING
INVESTMENT DECISIONS.

4. Two – Definition of a “Fixed Annuity”
 An insurance contract in which the
insurance company makes fixed
dollar payments to the annuitant for
the term of the contract, usually
until the annuitant dies. The
insurance company guarantees both
earnings and principal.
 Def: by Investopedia
Insurance
Company
Guarantees Both
Principal &
Interest
WE ARE NOT LICENSED TO GIVE TAX ADVICE, BE SURE TO CONSULT WITH YOUR TAX ADVISOR BEFORE MAKING
INVESTMENT DECISIONS.

5. So, when we put it all together…
 An Insurance Product for Growing Funds
 Later, Funds are Distributed in Either Lump Sum
or by a Steady Stream of Income.
 Principal & Interest are both Guaranteed by the
Insurance Company.
WE ARE NOT LICENSED TO GIVE TAX ADVICE, BE SURE TO CONSULT WITH YOUR TAX ADVISOR BEFORE MAKING
INVESTMENT DECISIONS.