Annuities

Annuities are a financial product designed to provide a steady income stream for life. Their primary purpose is to safeguard against the risk of outliving your savings. At AGL financial we offer guidance on a full range of annuity types including:

• Fixed Annuities – Offer predictable, stable returns with a guaranteed interest rate.
• Indexed Annuities – Provide growth potential based on the performance of a market index, while still protecting principal from market loss.
• Variable Annuities – Allow you to invest in the stock market, offering higher growth potential albeit with greater risk.
• Immediate & Deferred Annuities – Designed to begin payouts either right away or at a future date, depending on your income needs.

Annuities are a valuable income tool in a broader retirement strategy, especially for those seeking predictability and peace of mind. However, they can also be complex, and not every annuity is the right fit for every person’s situation. 

We help clients understand the trade-offs, tax implications, fees, and income guarantee associated with each option. Whether you’re evaluating an existing annuity or considering adding one to your financial plan, we provide independent, objective advice to ensure it aligns with your long-term goals.

Disclosures for the footer of this page:    Fixed insurance offered through various independent insurance companies. Cambridge does not provide tax or legal advice.