Beneflex Financial Group - If you're looking for annuities, you've come to the right place!

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Annuities

If you're looking for annuities.........You've come to the right place! Beneflex Financial Group offers hundreds of annuities from single premium and flexible premium fixed annuities to the all new equity indexed annuities! CALL OR E-MAIL US TODAY FOR CURRENT INTEREST RATES!

Annuities - VS - CD's

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ANNUITIES
An annuity is a financial product offered by a life insurance company. You can purchase an annuity with a one-time payment or with periodic payments. Annuities offer systematic withdrawals, as well as lump sums or ongoing guaranteed payments. One type of annuity provides a fixed, guaranteed return. Another type provides a variable return tied to underlying investment choices you select.

You can start taking on-going payouts from an annuity that can continue over your lifetime, or for a time period you specify. Most people select an annuity starting date after 59 1/2, to avoid IRS penalty taxes.

WHY AN ANNUITY IS IMPORTANT
Retirement income is one of those things that most people assume will be available to them. However, a number of developments in recent years could leave you with less retirement income than you think. Americans change jobs more than ever before-and many people won't spend enough time with any one employer to become vested for pension benefits. Traditional salary-based pension plans are being replaced by plans that rely on employees saving a portion of their current salary, such as 401(k) plans. Employees who don't save won't receive retirement income. And Social Security, as we know it today, is likely to be reworked for future retirees.

FIXED ANNUITIES
Annuity contributions must come from after-tax dollars. Annuity earnings, like pension plan earnings, are tax deferred. Tax deferral makes a big difference. Tax deferred earnings accumulating within an annuity can increase your investment in three ways:

Interest is earned on the net premiums.
Interest is earned on the interest.
Interest is earned on the dollars that would have been paid out in the taxes every year (assuming you invested annuity premiums in a taxable account)

With fixed annuities, the rate of interest for a specified time is guaranteed. Fixed annuities are attractive because they often credit a higher interest rate than most fixed-income alternatives.

EQUITY INDEX ANNUITIES
Beneflex Financial Group offers the latest in single and flexible premium equity indexed annuities. Benefits of an equity indexed annuity:

Combines the safety and guarantees of an annuity with the upside potential of earning interest rates linked to increases in the Standard and Poor's 500 Composite Price Index.
No administrative fees.
Even if the S & P 500 Index experiences a downturn, you are guaranteed to receive a minimum value of your total premiums, credited with percent interest annually.
Stock market-like gains without stock market-like risks.

For more information on annuities, please contact us by calling 800-926-9107 or click here.
Thank you!

COMPANIES WE REPRESENT
Lincoln	A+
Great American	A
American General	A+
Ohio National	A+
Protective Life	A+
Unity Life	B+

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