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Why Consider Annuities? |
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No one can predict their financial future, that of the economy, or how long they will live —that’s why there are Annuities. It is not uncommon today for people who reach retirement age to live 20 years or more in retirement, most of those years in good health. It’s good to live a long and full life, but you want to be sure that your income lasts as long as you do, and that its purchasing power is as strong as you are. |
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| Income Annuities |
Annuities are a unique financial product that, along with Social Security pensions, your 401(k) plan, IRA and other assets, can enhance your retirement security. Annuities can be designed to provide guaranteed income for as long as you live, even beyond age 100. Annuity contracts are used in constructing an individual program: |
- IMMEDIATE–Income guaranteed for life or a specified number of years, Individual or Joint Life. These can be Fixed and/or Equity Indexed.
- DEFERRED–Accumulation for income at a later date. These can be Fixed and/or Equity Indexed.
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| Investment/Savings Annuities |
Annuities are also used by millions as secure, generally higher return, tax deferred investment vehicles for funds that they might otherwise have been in C.D’s, Money Market or savings accounts. Again, they can be Fixed and/or Equity Indexed.
In addition to Annuities, JSO Financial also handles IRA’s and 401K’s, both initially and on tax free rollovers, through associations with Synergy and 3 Mark Financial. |
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| 3 Mark Financial |
| Comprised of a large national network of independent professional agents and brokerage firms, 3 Mark Financial has an extremely qualified national/regional staff and represents a significant number of high-rated insurance companies.
For years, 3 Mark has been the long-term, primary association of JSO Financial for the placement of Life Insurance and Annuities. Recently, Jim O’Bryan, with the help of 3 Mark Financial's Annuity Group, is currently assisting a 71 year old client in the planned tax-free rollover of half of his very substantial 401K into one or more IRA Equity Indexed Annuities. The balance will be placed in a mutual fund type IRA. For Income Annuities we have markets that will issue a high guaranteed income to those who have medical conditions that generally reduce life expectancy. Both the insured client and agent/broker benefit from 3 Mark’s ability to supply outstanding products and companies, state-of–the-art Internet based information systems and unsurpassed underwriting expertise. |
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| Annuity Companies |
Allainz Life Insurance Company of America
American General Life
Business Mans Assurance (RBC)
First Colony Life Insurance Company
GE Capitol Assurance
ING: Reliastar Insurance Company (NORTHERN)
ING: Security Life of Denver Insurance Company
ING USA Annuity and Life Insurance Company
Integrity Life Insurance Company
Jefferson Pilot Life Insurance Company
John Hancock
Lafayette Life (a high-quality company offering the first Equity Indexed Annuity in Oregon)
Lincoln Benefit Life Insurance Company
Monumental Life and Annuity Insurance Company
National Integrity Life Insurance Company
Protective Life Insurance Company
Symetra Financial (formerly Safeco)
Sun Life Financial
The Guardian Life Insurance Company
Transamerica Occidental Life Insurance Company Best’s, Fitch, Moody’s and Standard & Poor’s ratings are available. |
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