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Annuities Assistance for Metairie Area Clients

Want to find the way to more security with your financial future? Would you like to plan for your future to ensure your retirement is comfortable (or your childrens’ future is financially sound)?

Financial matters always tend to be complicated. Knowing where to put your money and when to move forward are two very tough questions. But they’re necessary questions. If you are in need of help finding answers to your questions, Gregory Ricks & Associates is here to help.

Many of our clients in Metairie have seen great results from choosing to invest in annuities. But many people don’t even know what annuities are or where to find one. We can teach you all about your annuity options, without the need for complex jargon.

In the list below, you will find information about a few types of annuities that are available through Gregory Ricks & Associates.

Immediate Annuities

With an immediate annuity, the owner will receive payout benefits soon, or up to 12 months after the contract is made. They are designed for retirees and pre-retirees who are in need of steady income checks.

Fixed Annuities

Fixed annuities include a “fixed” interest rate that guarantees the rate of interest for a specific time frame. These annuities feature low risk and high predictability.

Fixed Index Annuities

Fixed index annuities have a low guaranteed interest rate plus the possibility of additional interest based on an increase in value of the market index to which it’s linked. They also lock in gains, and can never lose those gains nor any principal, which protects owners from loss.

Variable Annuities

Variable annuities are a financial investment that are, well, variable. Variable annuities include a death benefit. This death benefit works by giving a specified amount to your beneficiary if you die before the insurer has made payments to you.

Annuities and their Riders

Features and/or benefits from various types of annuities can be augmented with rider purchases to better fit your needs. The annuity features discussed here are not mutually exclusive. For example, fixed or index annuities can be immediate or deferred. For more information on these types of annuities, talk to your insurance-licensed professional.

Finding a Suitable Option For You

As you can see, annuities come in with a variety of features. To get the guidance that you to select a suitable annuity, contact an insurance-licensed Metairie, La financial professional. By contacting us, you can arrange your first meeting with an insurance-licensed financial professional. You will share your retirement needs and goals with them to construct a retirement strategy and select a appropriate choice from all the types of annuities and their riders available. Contact us now to get started!