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What is an Annuity?

An annuity is a financial savings vehicle that accumulates money on a tax-deferred basis, which means money that ordinarily would be paid out in income taxes remains in your annuity account to earn more interest. Deferred annuities are considered retirement type investments and must follow certain IRS Codes, thus there is an early withdrawal penalty prior to age 59 1/2.

Why Would I Want An Annuity?

Tax-deferred growth until money is withdrawn
 High current yield
Interest on interest  Flexible deposit options
No fees or sales charges to you
 Very competitive with bank CD’s
Minimum lifetime interest guarantee Bypass probate
Name as many beneficiaries as you wish No tax liability until distribution
Guaranteed lifetime minimum interest rate Your money is guaranteed by KSKJ

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