"Fixed annuities are insurance products that allow you to conservatively plan for retirement, without risking loss to principal you purchase."

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In an era where employers are deleting defined benefit plans, the fixed annuity serves as an interesting option for retirees (and future retirees) seeking to reduce risk.  Fixed annuities are tailored in an excess number of forms, but they all maintain certain, fundamental characteristics.  First, fixed annuities provide a minimum guaranteed return over the life of the insurance contract.  While the overall return may vary based on the performance of an index, as is the case with fixed index annuities, all of these financial products include a minimum rate.  Second, as long as the contract’s terms are not violated, the principal you purchase is protected from loss.

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Below, we discuss the historical background concerning sources of retirement income, including the increasing relevance of fixed annuities as a strategy to use in retirement planning.  We also provide clarification on certain types of fixed annuity products.

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***J. HUNTER COMPANY DOES NOT SELL SECURITIES OR ADVISE AS TO THE VALUE OF SECURITIES OR AS TO THE ADVISABILITY OF INVESTING IN, PURCHASING, OR SELLING SECURITIES.  INSURANCE PRODUCTS ARE SOLD BY JARAD HUNTER AS AN INDIVIDUALLY-LICENSED INSURANCE AGENT.***