Annuities

Annuity Product Information

**The information, pictures, and other content in this website about particular insurance
services or financial services is only provided for informational purposes. Any decisions
regarding your insurance and financial needs should be discussed with a licensed
insurance agent or financial services professional.

We offer innovative fixed annuity products and equity index annuity products.
An annuity offers unique benefits such as tax deferral, flexible payout options
and can also help to dramatically reduce the chances of outliving your
savings

Bonus Rates

Some annuities award investors with bonuses at the
end of the annuity's first year such as extra interest that
further increases your investment. Bonus rate products
may impose higher fees and charges and longer
surrender periods than contracts that do not provide the
bonus feature.

No-Penalty Rollovers

Company pension or profit-sharing plan payouts may be
reinvested without incurring current taxes or penalties.

Annuity Advantages

Click on one of the annuity

types below to learn more.

Fixed Tax Deferred Annuity

Fixed Immediate (Fixed Payment Annuity)

Equity Indexed Annuity

No probate in case of death, as long as you specify
beneficiaries.

Which means your family will find it easier and less costly to obtain
the value of the annuity.

Shelter Investment Earnings

Retired people can use annuities to shelter investment earnings that
would otherwise lead to taxation of social security benefits.

Fixed (Tax Deferred Annuity)

A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a
contract between you and an insurance company for a guaranteed interest
bearing policy with guaranteed income options. The insurance company credits
interest, and you don't pay taxes on the earnings until you make a withdrawal or
begin receiving an annuity income. Because fixed annuities invest your
premiums in interest bearing obligations, you receive a lower return in
comparison to equity indexed annuities, since interest rates historically trail
stock market returns.

Tax Deferred Annuity Advantages - Savings

Many people today are using a tax deferred annuity as the foundation of their
overall financial plan. By postponing the taxes your money compounds faster
because you can earn interest on dollars that would have otherwise been paid
to the IRS. Later, you can decide to take a monthly income and your taxes will
be less because they were spread out over a period of years. An annuity has a
penalty for early surrender but most annuity contracts have a limited
withdrawal provision that permits the contract owner to withdraw a certain
percentage each year without a surrender charge.

Tax Deferred Annuity Advantages - Taxes

You pay no taxes while your money is compounding. You can also pay a
lower tax on random withdrawals because you control the tax year in which
the withdrawals are made and only pay taxes on the interest withdrawn.

Click on the link below to fill out a contact form for receiving more information
about Tax Deferred Fixed Annuities. Or you can speak with our Financial
Services specialist at (561) 496-2408 to discuss the features in detail.

Click here to fill out an Annuity contact form

Fixed (Immediate Annuity)

A fixed immediate annuity, also referred to as a fixed payment annuity, provides
you with a stream of income payments from your original purchase payment. The
amount of your income payouts is determined by the guaranteed interest rate and
the payout option you select. A fixed immediate annuity can begin benefit
payments as early as one month and no later than 13 months from the date of
purchase and is intended for investors who need a guaranteed income stream to
begin soon.

Click on the link below to fill out a contact form for receiving more information
about Immediate Fixed Annuities. Or you can speak with our Financial Services
specialist at (561) 496-2408 to discuss the features in detail.

Click here to fill out an Annuity contact form

Equity Indexed Annuity

An equity indexed annuity offers you a guaranteed minimum return with the
potential to earn additional interest based on the performance of a securities
market index. Equity indexed annuity returns are tied to indexes of market activity
and not to the performance of individual stocks or funds.

The equity indexed annuities we offer are tied to the following indexes: S&P 500*,
Dow Jones Index Acct.*, S&P MidCap 400*, NASDAQ*, and the Russell 2000*.

A equity indexed annuity will guarantee you a minimum interest rate (often
about 3% on 90% of your investment) while offering the potential of higher rates
by tying your return to a portion of the return of an index, such as the ones
mentioned above.

You are offered a percentage of how much the index gains over a period of
time (not including dividends, which accounted for about 30% of the total return
of the S&P 500 for the last 20 years) and a guaranteed minimum return if the
stock market declines.

Click on the link below to fill out a contact form for receiving more information
about Equity Indexed Annuities. Or you can speak with our Florida Financial
Services specialist at (561) 496-2408 to discuss the features in detail.

Click here to fill out an Annuity contact form

Guaranteed Income

An annuity can provide you with a guaranteed lifetime
income regardless of how long you live. Guarantees are
limited to the claims-paying ability of the issuer.

Unlimited Contributions

Unlike other tax-advantaged investments such as IRAs,
you can contribute an unlimited amount of money to an
annuity during the year, whether in periodic installments
or a lump sum. Individual insurance carriers may place
a ceiling on the total amount you can put into an annuity
without approval.

Landmark Insurance Agency offers experienced annuity services
throughout Florida, including Fixed Annuity, Equity Indexed Annuity,
Fixed Immediate Annuity, and others.

Click on the link below to fill out a contact form for receiving more
information about these fixed annuity products. Or you can speak
with our Financial Services specialist at (561) 496-2408 to discuss
the features in more detail.

Click here to fill out an Annuity contact form

At withdrawal Annuity holders pay a tax on the growth portion of the
annuity on last in first out accounting basis. If you are under 59 1/2
years of age and need to pull your contributions out, the IRS will get
10% and, the contract writer will ask for a "surrender charge" between
5 and 10%. Better writers have declining surrender fees at lower
percents, and allowances for 5-15% emergency withdrawals without
penalties. You cannot borrow against your contributions, but the IRS
will let you transfer the funds to another insurance company without
penalty (let your accountant handle this, if the check comes to you first
you could be in trouble).

Withdrawal & Early Withdrawal

[Map & Driving Directions]

Landmark Insurance Agency

4975 W. Atlantic Avenue

Delray Beach, FL 33445

Palm Beach County, Florida

(561) 496-2408

Fax: (561) 496-7740

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