Annuity

Did you know that increasing your annuity sales could be as easy as asking clients “When does your next CD renew?” and then using our Taxable vs. Tax Deferred Worksheet?

Multi-year rate guarantee annuities as well as initial rate products, equity indexed and immediate annuities are readily available with our extensive product portfolio.

If you have questions or are looking for competitive deferred or immediate annuity products (including impaired risk immediate annuities) call us at 800-837-5433 or via e-mail at annuity@ubsnet.com.

Types of Annuities

Immediate Annuity: A Single Premium Immediate Annuity (SPIA) allows a client to buy with a lump sum and start receiving income right away.

Fixed Deferred Annuity: A fixed annuity that provides a means to accumulate funds on a tax deferred basis. Income payments may be deferred to a future date.

Types of Fixed Deferred Annuities

*Multi-Year Guaranteed Fixed Annuity: A fixed deferred annuity that will guarantee an interest rate for the length of the product’s surrender charge period.

*Initial Rate Fixed Annuity: A fixed deferred annuity that will declare an initial rate, but future rates will be declared annually based interest rate conditions at that time, and subject to a contractual minimum interest rate.

*Equity Indexed Fixed Annuity: A fixed deferred annuity that will offer a guaranteed fixed rate, but will offer the opportunity for higher interest earnings by linking the interest rate to an external index.