Annuities for Retirement - Hawaii Insurance Consultants

Annuities are contracts between you and an insurance company. As an investment tool they allow you make contributions during the accumulation phase that grow tax deferred, then during the distribution phase can provide guaranteed income or be withdrawn as an investor may elect.

  •   Fixed:  A contract with the insurance company which provides you a guaranteed rate of return over a specific period of time.

  •   Fixed Indexed:  A contract with market linked growth without the risk to loss of principal. Interest credits are based on the performance of indexes such as the S&P500. However, the policy owner is not invested in the index at any time.

  •   Variable:  A contract where you can choose to invest the money into investments that bear risk in the stock market through the subaccounts of the annuity.

Many annuities provide the ability to purchase riders (addendums or add-ons) which may provide enhanced future income, and/or death benefits. Annuities offer investors an opportunity to grow their money tax deferred. Ask an E.A. Buck Private Wealth Manager if an annuity is appropriate for you, based on your financial situation and objectives.

All guarantees are subject to the claims paying ability of the issuing insurance company.


More than 1 of 3 investors have an annuity in their investment portfolio.
Source: IRI Fact Book, 2014.

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