TheLifeInsurancegroup.com- Independent General Insurance Agency,
Licenced in the state of Maryland only.
PO BOX 26537 | Baltimore, MD 21207
    Annuities offer important benefits.

Potential growth during the annuity's accumulation phase: During this initial phase, an annuity
may be an ideal vehicle to help you accumulate money for your retirement.

Income for life and other options during the retirement income phase: When you are ready to
start taking income, the annuity offers you a range of payout options.

Some options may offer an immediate, single payment. Others may include income payments
scheduled over a specific period, including your entire lifetime.

Tax deferral that can help your money grow: The money in your annuity can grow tax-deferred.
This means you do not have to pay taxes until you begin to withdraw money from the annuity.
The power of tax deferral, compounded over the life of your annuity's accumulation phase, may
have a positive impact on the value your annuity generates for your retirement. Any distribution
may be subject to ordinary income taxes and, if taken prior to age 59 1/2, to a 10% federal tax
penalty.

Death benefit protection for your beneficiaries: As we noted earlier, annuities are insurance
products. So it's only natural that they can give you reassurance, knowing your beneficiaries
are protected if you pass away before you start receiving income.

Fixed index annuities are different.
A fixed index annuity earns interest based on changes in an external index. This is different
from traditional annuities, which credit interest calculated at a fixed rate set in the contract. The
selected index varies from day to day and is not predictable. When you buy a fixed index
annuity, you own an insurance contract¬ you are not buying shares of any stock or index.

Many fixed index annuities also permit contract owners to allocate premium to a traditional fixed
interest option, where interest is credited at a fixed rate of interest not based on any external
index.

The value of a fixed index annuity will not drop below a guaranteed minimum specified in the
contract. This means that if you surrender your contract or die, you (or your beneficiaries) are
guaranteed to receive at least a minimum value.

To summarize, a fixed index annuity offers contract owners:
  • A guaranteed minimum value
  • The potential for growth by basing interest earned on the performance of a nationally
    recognized index or indexes (Interest earned on a fixed index annuity could be more or
    less than the interest earned in a traditional fixed annuity.
We are licensed Maryland Life and Health Insurance Agents
Proudly serving Proudly serving Baltimore Maryland and surrounding counties.
Allegany County, Charles County, Prince George's County, Anne Arundel County, Dorchester County, Queen Anne's County, Baltimore City, Frederick County, St.
Mary's County, Baltimore County, Garrett County, Somerset County, Calvert County, Harford County, Talbot County, Caroline County, Howard County, Washington
County, Carroll County, Kent County, Wicomico County, Cecil County, Montgomery County, Worcester County
Insurance products are: Not Insured by FDIC or any Federal Government Agency.
 May Lose Value
 Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate
The Life Insurance Group
Financial Services & Insurance. Protecting Your Financial Future.
Call for an Appointment. Local in Baltimore, MD 410.456.5356