Morey Insurance Group
Morey Insurance Group

Annuities

Annuities are long term vehicles  (10 years or longer), designed for retirement planning purposes. They provide guarantees against the loss of principal and credited interest, tax deferral and the reassurance of a death benefit for beneficiaries.

 

Guarantees are backed by the financial strength and claims-paying ability of the Insurance Carrier.  In our examples, you will find information related to Allianz Life Insurance Company of North America.

 

There are many things to consider when learning about annuities such as surrender charge period, minimum number of years before income can begin, and terms and conditions to receive maximum value, including any potential bonuses. This important information will be discussed in your one-on-one review.

 

Early distributions in some annuities are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty.  Most annuities however, do allow for a 10% withdrawl per year, penalty free.  Qualified Plans will have more strict parameters regarding withdrawls. 

 

Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don't offer a bonus.

 

Although changes in external market indexes may affect fixed index annuity contract values, Insurance carriers offering fixed indexed annuity contracts do not directly participate in any stocks, bonds or other investments. You will not own any shares of an index fund or any equity or bond investments.

 

Product and feature availability, and how the features work, may vary by state. 

 

Below are some articles and ia short introductory video that should prove helpful in your review of annuities and there suitability with your portfolio. 

 

Contact us today to schedule a phone consultation to discuss your needs, answer your questions and provide you with a recommendation best suited for you.

 

 

Phone: 916-652-8440

Toll Free: 1-800-283-1503

What are Annuities?
Great overview of annuities, the different types, benefits, pros and cons of the annuities being marketed today.
2013Annuity_Guide.pdf
Adobe Acrobat document [716.6 KB]

Short Video Introduction to
Fixed Indexed Annuities

Fixed Indexed Annuities Introduction to Fixed Indexed Annuities
Fixed Indexed Annuities Tutorial
Great document that describes a Fixed Index Annuity. Read this to find out if this is the right product for you.
FIA whitepaper.pdf
Adobe Acrobat document [321.9 KB]
Suitability Form for Annuities
Before you can deposit money into a Fixed Index Annuity, or any other annuity, you will need to fill out a suitability form to make sure this is the right product for you based on your age, income, financial status and goals.
allianz suitability form.pdf
Adobe Acrobat document [51.1 KB]

Our Preferred Annuity Selection

As Licensed Insurance brokers at Morey Insurance Group, we have our choice of which carriers, and what products to review and recommend to our clients.  After a thorough investigation of the Annuity Products available, here are some of our top pics. 

 

Review the free documents below to learn more about fixed index annuities, and how they may fit into your overalll portfolio.

Allianz 222 Hybrid Annuity Brochure
Allianz has one of the best fixed index annuities (sometimes referred to as a hybrid annuity) to offer, with a guarantee of principal, a 15% premium bonus on all premiums for the first three years, and a cost of living increase with lifetime annuity, this is a good product to review.
Allianz 222 annuity brochure.pdf
Adobe Acrobat document [827.9 KB]
Allianz 222 Annuity Insert
Allianz 222 Insert.pdf
Adobe Acrobat document [267.3 KB]

 

Phone: 916-652-8440

Toll Free: 1-800-283-1503

 

Return To Homepage

 

Your form message has been successfully sent.

You have entered the following data:

Contact Us Today to learn more about Fixed Indexed Annuities

Please correct your input in the following fields:
Error while sending the form. Please try again later.

Note: Fields marked with * are required

Morey Insurance Group

3669 Taylor Rd

Suite 963

Loomis, CA 95650

 

Phone:
916-652-8440

 

Toll Free:

1-800-283-1503

Contact us today to schedule a personalized review of your requirements

Recommend this page on:

Print Print | Sitemap
Copyright 2014 John D Morey Insurance Agency, LLC