Compare Annuities

Annuities are classified as either Immediate Annuities or Deferred Annuities. In the case of Immediate Annuities an individual transfers a sum of money to an insurance company in return for a series of payments (either for a certain number of years or for life). In the case of Deferred Annuities individuals transfer funds to an insurance company as a medium to long term investment. Deferred annuities enjoy income tax deferral of earnings and may offer guarantees of earnings.

MoneyIns.com offers the most impressive array of fixed and equity indexed annuities. If you are looking for an annuity with a financially strong company then look no further than the companies listed below.

Our featured products are listed below.

Check Annuity Rates & Product Types for more information. If you have difficulty, please call toll free 877-341-3342.

Bonus Annuities: Bonus Annuities offer an immediate bonus (thus a return) on initial premium or premiums in the first 3-5 yrs. Get great yields, security and the many great options offered from annuities – tax deferred, annuitization, health care, and many more. Currently MoneyIns is highlighting:

Equity Indexed Annuities: Equity Indexed Annuities offer the potential to share in stock market gains, while protecting your ENTIRE principal amount from loss. These indexed annuities offer tax deferred status, bonus opportunities, protection from loss and stock market gains. MoneyIns features the following products:

• Flexible premium plans where additional funds may be contributed to the annuity in future years.
• Single premium plans where a lump sum is contributed at the onset.

MoneyIns.com continues to offer the most diverse portfolio of bonus and indexed annuities.

Please call us – we can help you pick the right annuity.

Bonus Annuities

Instantly Turn $100,000 deposit into $106,000 or more with a Bonus Annuity.

Guarantee your savings and also receive a 6% bonus and over a 10% first year yield on a bonus annuity. These annuities are tax deferred, can be indexed to the stock market, offer a guaranteed bonus/return, and can be annuitized and tailored to meet senior needs in estate planning.

With bonus annuities you get guarantees on your investment and deferred tax treatment. The bonus immediately impacts your savings and increases your return from DAY ONE!

Example of Some Major US Insurance Companies

6% BONUS

2% GUARANTEE

NASDAQ 100
11% Cap

S & P 500
11% Cap

GET BONUS
earn between 2% and 11%

These guaranteed annuities reward the buyer by offering a bonus: the insurance company adds an average of 5% to 10% to each of your premium payments, which can make for an excellent head start. For example, if you invest $10,000 in a bonus annuity the insurance company will add $500 to $1000.

Bonus annuities allow you to withdraw 10% to 15% of your premium payments per year without a penalty, and some allow you to take the greater of all earnings or 10% to 15% of premiums (although any withdrawal from an annuity may be subject to taxes and a 10% federal penalty if taken prior to 59½ years of age). Most bonus annuities have a surrender charge — a penalty for making an early withdrawal above the free withdrawal amount. Typically this surrender charge decreases over an eight-year or nine-year period.

Check Annuity Rates & Product Types for more information. If you have difficulty, please call toll free 877-341-3342.

Please call us. We have had over 20 years of selling annuities. We represent all the top companies in the insurance industry. We can help.

Equity Indexed Annuities

Equity Index Annuities offer the opportunity to earn market returns (to an annual maximum) with NO DOWNSIDE MARKET RISK.

Equity Index Annuities earn annual interest based on the performance of a stock market index. Most use the S&P 500 average as the index, however other indexes are available.

For Example:

An individual invests $100,000 in an Equity Index Annuity. The annuity has a first year bonus of 5% and a minimum guarantee of 2%. The initial value of the annuity becomes $105,000. On the date of the initial deposit the value of the S&P 500 is 1200. On the first anniversary of the annuity, the S&P 500 index is 1272… an increase of 6%. This 6% is then applied to the annuity value and the new annuity value at the beginning of the second year is $111,300. ($105,000 x 6% = $6,300). On the following anniversary the S&P 500 has dropped to 1100. The annuity value does not reduce… but will increase to $113,560 based on the minimum guarantee of 2%….

Equity index annuities offer:

• Upside index growth potential
• No downside market risk due to index losses
• Locked-in gains every year

Check Annuity Rates & Product Types for more information. If you have difficulty, please call toll free 877-341-3342.

Please call us. We can help.

Multi Portfolio Annuity

A multi portfolio annuity is also known as a Variable Annuity. This annuity is made up of separate sub accounts (similar to mutual funds) that are managed by several different investment managers. Some variable annuities offer as many as forty different sub accounts. The separate accounts are completely separate from the general assets of the insurance company offering another layer of protection of funds in the event the insurance company fails.

Individuals who invest in Variable Annuities make the choices of the sub accounts that their money is put in, and they generally have the option to move money between separate accounts.

Variable Annuities offer automatic features such as dollar cost averaging and portfolio re-balancing, as well as asset allocation strategies based on the risk tolerance of the individual.

Like all annuities the earnings of Variable Annuities are not subject to current income taxation and are deferred until the funds are withdrawn (also subject to a penalty tax if withdrawn before age 59 & ¹/₂).