Guarantees:

Your contract has a minimum guaranteed contract value; protecting you from the loss you may experience in other retirement savings vehicles.

Growth: 

You can receive interest credits linked in part to the performance of an external market index or fixed income rate.

Tax Deferral:

Annuities provide the advantage of tax-deferred interest accumulation.  You don’t pay taxes on the growth until you take withdrawals.

Protection:

There is no direct downside market risk to your money.

Income:

At a future date, you have the option of a lump sum payout or a regular stream of income – either for a certain period of time or for the rest of your life.

Security:

Annuities have a death benefit that ensures your beneficiaries receive any remaining contract value.