Insurance Solutions

A variable annuity is a contract between you and an insurance company. It serves as an investment account that may grow on a tax-deferred basis and includes certain insurance features, such as the ability to turn your account into a stream of periodic payments. Our office is appointed to represent and deal with more than 10 Insurance Carriers to offer you choice and flexibility.

Please Call 814.520.5511/Text 440.276.3883/Email us to inquire.

An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. Fixed indexed annuities offer a lot of downside protection to investors.

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Money in a fixed deferred annuity earns interest at a rate the insurer sets. The rate is fixed (won’t change) for some
period, usually a year. After that rate period ends,the insurance company will set another fixed interest rate for the next
rate period. That rate could be higher or lower than the earlier rate.

Please Call 814.520.5511/Text 440.276.3883/Email us to inquire.

An immediate annuity is the most basic type of annuity. You make one lump-sum contribution. It's converted into an ongoing, guaranteed stream of income for a specified period of time (as few as five years) or for a lifetime for one life or two lives. Withdrawals may begin within a year. Immediate guaranteed income.

Please Call 814.520.5511/Text 440.276.3883/Email us to inquire.

Long-term care insurance is a specific type of health insurance that helps people pay for long-term care. It covers the types of care not included in traditional medical plans, Medicare, and for people not eligible for Medicaid. Even though long-term care insurance covers people with a variety of issues from different age groups, it requires careful planning and the assistance of an advisor approved by the state to deliver professional advice.

Please Call 814.520.5511/Text 440.276.3883/Email us to inquire.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.

Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent.