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Home > Products > Financial-Services > Deferred & Immediate Annuities - Raleigh NC & Cary NC - Vic Fisher Insurance

Annuities in Raleigh and Cary, NC

We all want income security as we get older and plan for retirement. Outside traditional pension and investment plans, consider an annuity to grow savings and receive income later in life. Through the multiple options available, you can better plan your long-term financial security. 


We all want income security as we get older and plan for retirement. Outside traditional pension and investment plans, consider an annuity to grow savings and receive income later in life. Through the multiple options available, you can better plan your long-term financial security.  
 

What is an annuity?  

Think of an annuity as a cross between insurance and an investment. It’s a contract between you and an annuity issuer or insurance company that helps you invest and save money.  

How Does an Annuity Work?  

When you purchase an annuity, you pay an insurance company a premium to establish and maintain the account. In most cases, your insurer will invest the annuity funds. That way, the account will accumulate earnings to potentially provide you a return on your initial funds.  
 

What Are 5 Types of Annuities?  


There are five main types of annuities: 

  • Fixed annuities pay guaranteed rates of interest. Account owners can draw income immediately or defer.

  • Variable annuities allow investors to choose from a variety of mutual funds.

  • Fixed-indexed annuities provide a variable interest rate and may also offer a guaranteed minimum income benefit. This type of annuity has a limited potential upside but may work well for a conservative investor. 

  • Immediate annuities provide regular income payments to the account owner in exchange for one lump sum payment. This type of annuity may provide favorable tax treatment, and payments may include principal and interest. 

  • Deferred annuities delay payments until at least one year from opening the account and provide guaranteed income for the future.


 
Talk to your Vic Fisher Insurance agent about which type of annuity is best for your financial future.  
 

The Benefits of an Annuity  

Most people use the funds within an annuity as a source of income and support following their retirement. Your annuity will provide certain financial benefits to assist you in the future.  
 

  • You can often carry the annuity alongside other accounts like 401(k) or 403(b) pensions. Therefore, you’ll create a larger financial cushion to use later.

  • No limits exist on how much you can invest in the annuity.

  • Money within your plan grows tax-deferred until you withdraw it. After that, you only pay regular income tax.

 
You can use this money for specific reasons, like a vacation or medical care. Or, you can receive a stream of income for the rest of your life. Think of it as a way to support yourself in old age.  
 

Contact Us Today!  

Contact us to learn more about planning your future with an annuity. We are happy to answer your questions and help begin your investment process today.  

Contact Us Today!
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2703 Jones Franklin Road, Suite 103
Cary, NC 27518

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