Annuities

Looking for help understanding Annuities?  Kacer Insurance and Financial Services is here to help!

Financial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including Kacer Insurance and Financial Services

 

What is an 'Annuity'?

An annuity is a financial product that pays out a fixed stream of payments to an individual, primarily used as an income stream for retirees. Annuities are created and sold by financial institutions, which accept and invest funds from individuals and then, upon annuitization, issue a stream of payments at a later point in time.

 

TYPES OF ANNUITIES

Annuities can be structured generally as either fixed or variable.

Fixed annuities provide regular periodic payments to the annuitant.

Variable annuities allow the owner to receive greater future cash flows if investments of the annuity fund do well and smaller payments if its investments do poorly. This provides for a less stable cash flow than a fixed annuity, but allows the annuitant to reap the benefits of strong returns from their fund's investments.

LOOKING FOR MORE ON ANNUITIES?

Kacer Insurance and Financial Services are here to help you with all your investment needs!

 

To get started, just call our office directly, or click the "CONTACT US" button below to send us some basic information about your needs so we can get started on helping you learn more!

 

FIXED & VARIABLE ANNUITY DISCLSOURES

Fixed Annuities are long-term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract.  Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax.  Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

 

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities.  The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional.  Be sure to read the prospectus carefully before deciding whether to invest.

 

The investment return and principal annuity investment options are not guaranteed.  Variable annuity sub-accounts fluctuate with changes in market conditions.  the principal may be worth more or less than the original amount invested when the annuity is surrendered. 

The information on this site is not intended to be used as the primary basis for investment decisions.  

 

Products and services described may not be eligible for solicitation in your state. This site is for use by individuals residing in states where our products and services may legally be offered.

 

This site is published for residents of the United States only.  Representatives may only conduct business with residents of the states and jurisdiction in which they are properly registered.  Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined.  Not all of the services referenced on this site are available in every state and through every advisor listed.  For additional information, please contact Matt Kacer at (515) 681-1685

Registered Representative of and securities offered through Brokers International Financial Services, LLC Member SIPC. Brokers International Financial Services, LLC and Kacer Insurance are not affiliated companies.

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