THE SMALL BUSINESS DOCTOR INC.
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Annuities

Help protect your future with retirement income planning. Speak with our financial representative today to find options for your financial situation.

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What is a Fixed and Indexed Annuity?

Annuities are contractually-executed, potentially low-risk investment products; the insured (usually, an individual) pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period (predetermined by the insured). The insurer invests the premium; the resulting profit/return on investment fund the payments received by the insured, and, compensate the insurer. 

Conventional annuity contracts can provide a predictable, guaranteed stream of future income (e.g., for retirement) until the death(s) of the beneficiaries(s) named in the contract, or, until a future termination date – whichever occurs first. These financial instruments have been used to accumulate funds and provide increases in personal income (via future, lump-sum withdrawals), all while being tax deferred. All guarantees are backed by the claims-paying ability of the insurance carrier.

Immediate Annuities vs. Deferred Annuities

An Immediate Annuity is an insurance policy which, in exchange for a sum of money, guarantees that the issuer will make a series of payments. These payments may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives, or even whichever is longer.

A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment

Contact us to learn more about the right annuity for you.
(989) 846-9581
4368 Foco Road
P.O. Box 1219
Standish, MI 48658
Click Here to Email Us

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Annuity Quote
Annuities provide guaranteed income for life

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The Small Business Doctor Inc.
4368 Foco Road
P.O. Box 1219
Standish, MI 48658
(989) 846-9581
Click Here to Email Us

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  • Home
  • Quotes
    • Life Quotes >
      • Life Insurance Quote
      • Disability Insurance Quote
      • Final Expense Insurance Quote
      • Term Life Insurance Quote
      • Indexed Universal Life Insurance Quote
      • Whole Life Insurance Quote
      • Mortgage Protection Insurance Quote
    • Health Quotes >
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Vision Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Policy Review
    • Update Contact Info
    • Policy Changes
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Life >
      • Life Insurance
      • Disability Insurance
      • Final Expense Insurance
      • Term Life Insurance
      • Indexed Universal Life Insurance
      • Whole Life Insurance
      • Mortgage Protection Insurance
    • Health >
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Vision Insurance
  • About
    • Staff Directory
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Newsletter Signup
    • News
    • Blog
  • Contact