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Insurance Annuities Investments Retirement Plans Disclosures
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Annuities

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Annuities may provide a good way for clients to build long-term investments. Annuities provide a fixed or variable payment to the annuity owner, depending on the type of annuity purchased, at some contract-specified time. When you invest in an annuity, no taxes are due on your investment earnings until you begin to receive income from it. With this tax-deferred status, you receive this compounding benefit for as long as you keep you money invested in the annuity. Taxes are due when you withdraw the earnings; and if withdrawn prior to age 59 1/2, may be subject to an additional 10% federal tax penalty.

One of the first choices you will need to decide on with your Lincoln Financial Advisor Representative is if you want to purchase a Fixed or Variable deferred annuity or an immediate annuity. Investing in a Single Premium Annuity means that you contribute a single, lump-sum contribution while with a Periodic Annuity as the name implies you can make contributions over a period of time at regular intervals. This decision is totally dependent on your personal situation and goals for the investment.

At Lincoln Financial Advisors, we offer many different types of annuities from many different insurance companies, each offering different features. Contact a Lincoln Financial Advisor Representative to discuss which annuity is right for you.

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