WE SPECIALIZE IN
THE BEST ANNUITIES
Annuities
At Lubbock Senior Insurance, we find the annuity solution for your retirement goals by searching the top annuity companies and using the “best of the best” to meet your needs.
Key Benefits at a Glance
Why Consider a Fixed Index Annuity?
Worried about outliving your retirement savings? You’re not alone. With people living longer and healthcare costs rising, many Americans are searching for ways to secure their financial future. One solution gaining popularity is the Fixed Index Annuity (FIA).
IMPORTANT FEATURES OF AN FIA
• Guaranteed Protection of Principal & Any
Credited Interest
• Tax-Deferral
• Various Income Options
• Death Benefit
• Bonus Potential
Retire Comfortably On Your Own Terms
Annuities
Life Insurance
Long Term Care
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How Does a
Fixed Index Annuity Work?
How Does It Work?
A Fixed Index Annuity is a contract between you and an insurance company. You pay a premium, and in return, the company promises a minimum interest rate and protection from market downturns. Your money grows tax-deferred, and you can choose when to start receiving income—either right away or in the future.
Benefits
FIAs offer a unique blend of benefits: tax deferral, indexed interest potential, and protection from market volatility. They’re designed to help you accumulate assets, preserve your savings, and turn them into a guaranteed income stream for life.
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Our licensed agents are here to support you every step of the way.
Retirement Income You Can’t Outlive
Important Considerations
Annuity Do's & Don'ts
Education is the key to a successful retirement, which is why we have secured access to ‘Annuity Do’s and Don’ts for Baby Boomers’ for you! This book will explore whether or not an annuity is right for you, help evaluate your retirement goals, and figure out what you want and need out of an annuity!
Growing Your Retirement Income
FIAs help you accumulate assets for retirement and then convert those assets into a guaranteed stream of income you can’t outlive. Plus, any interest earned grows tax-deferred, so your savings can compound faster over time.
The Power of Annual Reset
With annual reset, your annuity’s value locks in any gains each year. If the market index rises, you earn interest. If it falls, your value stays protected—no need to recover from losses before earning again.
Accessing Your Money
Most FIAs allow you to withdraw a portion of your money each year without penalty, typically up to 10%. Some even waive penalties for certain health conditions. Keep in mind, withdrawals may reduce your contract value and could be subject to taxes or early withdrawal penalties.
Is an FIA Right for You?
If you’re looking for protection from market volatility, tax-deferred growth, and guaranteed lifetime income, a Fixed Index Annuity could be a smart addition to your retirement strategy. Consider your long-term goals and consult a qualified insurance professional to see if an FIA fits your needs.
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+1 (806) 776-9838
Our Annuity Specialist
Reginald Lowell Bridges