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Bank CD's versus Annuities

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Annuities of the Month


Delaware Life
Pinnacle MYGA 10

Ten Year Guaranteed
Interest Rate

3.65%
10 Year Surrender Term

A- (Excellent) Rating
from A.M. Best

Product Profile

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Palladium Century 7

First Year Interest Rate
8.50%
10 Year Surrender Term

A (Excellent) Rating
from A.M. Best

Product Profile

Request More Information
 


Fidelity & Guaranty Life
FG Guarantee-Platinum 5

Five Year Guaranteed
Interest Rate

3.35%
5 Year Surrender Term

Product Profile

Request More Information
 

 

 

 

Increase the Yield On Your Bank Deposits by 45%

Those in a 31% tax bracket can increase the growth on their bank deposits by 45% with tax-deferred annuities. Here is how it works:

If your bank account earns $1000 in annual interest income, shortly after year's end, you'll receive a 1099 for $1000 to report on your tax return. This means you'll owe Uncle Sam $310. That $310 equals 31% of what you earned, but it equals 45% of the amount you get to keep ($310 divided by $690 amount kept = 45%).

By transferring your savings to an annuity, you eliminate the 1099 and get to keep that $310 in interest to compound tax-deferred. It's like borrowing from Uncle Sam at 0%.

Other key differences between Bank CD's and Annuities are compared in the table below:

Comparison of Annuities with Certificates of Deposit

Features Annuity CD
1. Free from principal/market risk and price fluctuations? Y Y
2. Are interest earnings free from current taxation? Y N
3. Are interest earnings reinvested automatically with no current income taxation? Y N
4. Am I able to make small additional investments? Y1 N
5. Tax liability on Social Security income eliminated on deferred accumulation? Y N
6. Flexible? Y Y
7. Penalty free withdrawal provisions? Y N
8. Funds not reduced by commissions? Y Y
9. Does this investment automatically avoid the expense and delay of probate? Y N
10. Guaranteed lifetime income with tax advantages? Y N
Totals 11 4
1When your Tax-Deferred Annuity is a Flexible Premium Deferred Annuity versus a Single Premium Deferred Annuity; small additional deposits are allowed.


Free Maturing CD Notification Service
The best time to shop for the highest annuity rates is 30 days before your Bank CD matures. Annuity Advantage offers a Free Maturing CD Notification Service to existing CD owners...even if you are not one of our customers! Just complete our simple online form and we will automatically send you a friendly e-mail reminder 30 days before your Bank CD matures, providing you with a complete comparison of then available annuity interest rates.

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