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A fixed deferred annuity is similar to a cash deposit with more flexibility for accessing your money later. These will provide you with a fixed rate of return on the amount present in your account. The money in your contract is credited with a fixed rate of interest for a specific period of time. Taxes do not need to be paid on your earnings until you withdraw them as income. When you are ready to begin receiving income, you can choose from a variety of options to customize your income stream.
Interest rates are “locked in” for a specific period of time and provide a greater certainty of savings growth, as you plan for your future.
Most contracts allow the owner to withdraw a certain percentage of their contract value annually – usually up to 10 percent – free of any surrender charges.
If you die during the accumulation phase of your annuity contract, your beneficiary will receive a death benefit. Any death benefit payable during the annuity income phase is based upon the annuity option you select.
Prestige Consultant Group (PCG) Is a Company built on conservative principles, and dedicated to excellent services. PCG is a full-service insurance agency and works to inform and educate families on financial decisions that allow them to achieve their financial goals. This is achieved through operating on a set of unwavering values and principles to create and maintain trust between the PCG team and the communities it serves. Our team has over 100 years of combined experience, and each team member has extensive knowledge and experience in all aspects of insurance.
