An annuity is a contract between you and the insurance company. In return for your money, or “premium” the insurance company agrees to provide certain benefits such as:

*Your contract has a minimum guaranteed contract value.

*You can recieve interest credits that are linked to the performance of an external market index or a fixed interest rate.

*Annuities provide the advantage of a tax-deferred interest accumalation. You don’t pay taxes on the growth