Annuities FMO & IMO

An annuity is a long-term retirement savings product that can help protect policyholders from outliving their money. It has the potential to grow tax-deferred, has death benefits to protect your beneficiary and optional living benefits to protect retirement income. Policyholders can choose how to fund their annuity, how interest is credited to it, and how to take payments from it.

A Non-qualified Annuity is an annuity purchased with after-tax dollars. A Qualified Annuity is one purchased with pre-tax dollars, such as in an IRA or a TSA (Tax Sheltered Annuity). In a Qualified Annuity, the money is subject to income tax upon withdrawal.

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