Benefits for Annuity Owners

Sewickley & Pittsburgh AnnuitiesThere is no other investment vehicle that provides as many benefits in one wrapper as does the annuity, which is something that annuity owners must know and their critics don’t.



Tax Deferral

In one study done on annuity owners, it was found that 85% invest in annuities for their tax benefits.   Under the tax code, annuities are considered to be life insurance contracts and are afforded many of the same tax advantages.  Cash values are not currently taxed which allows accumulated earnings to grow faster.

Over a long period of time, this produces a significant advantage over taxable equivalents such as CDs.  For an individual who pays state and federal taxes at a combined rate of 50%, a CD would have to yield 6% in order to achieve the same after-tax return of an annuity that yields 3%.


Another primary reason annuities are purchased is the safety of principal the offer.  Annuities provide for a guarantee of principal that is backed by the annuity provider, which is a life insurance company.  […]

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Annuities Are Sleep Insurance

Annuity - Sewickley_PittsburghWhen you ask annuity owners why they purchased their annuity, the answer often involves one of the many benefits that they offer: Tax deferral, safety, access to funds, guaranteed principal, and lifetime income stream.  But if you then ask them what having those benefits really means to them, many of them will, after a deep pause, answer, “It allows me to sleep at night knowing that my money will be there when I need it the most.”  Annuities are different things to different people, but for most annuity owner’s annuities are sleep insurance.


Why an Annuity

If you ask most people today what keeps them awake at night, among the answers you are likely to get is some variation of “having enough money to retire on”.  The baby boomers, especially, are facing a serious predicament as […]

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We offer annuity products from four different companies:

  • GBU Financial Life – two products
  • GCU – five products
  • NSS Life – two products
  • ISDA – three products

With many options from which to choose, we are certain to find one that will fit perfectly into your portfolio.


Permanent/Whole Life or Term Life Insurance…which is the right for you?  We can help you make the right decision.

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