An annuity is fundamentally an insurance product designed to provide long-term financial security. With deferred annuities, you can accumulate funds over several years during the "accumulation phase," either through an initial deposit that grows over time or by making periodic contributions. At Ai Merchantry®, we are committed to helping you make informed choices, and one of the key benefits of retirement annuities is that your investments grow tax-deferred. When you're ready to access your funds, you "annuitize" the contract, converting it into a steady income stream with regular payments—whether monthly, quarterly, or annually. This approach aligns with our core values of financial integrity and personalized service, ensuring your retirement plan supports your long-term goals.
An Indexed Universal Life (IUL) policy provides permanent life insurance coverage that includes both an insurance component and a cash value savings element. At Ai Merchantry®, we value offering products that combine security with growth potential. With an IUL policy, the cash value can be tied to a financial market index, giving you the opportunity to benefit from market growth while still retaining the essential protection of life insurance. This approach ensures you have both the financial upside of investing and the peace of mind that comes from safeguarding your family’s future, all in alignment with our commitment to integrity and long-term financial well-being.
When you purchase a deferred annuity as part of your retirement plan, you enter into a contract with the issuing insurance company. During the accumulation phase, you can contribute funds that grow on a tax-deferred basis. When it’s time to convert your annuity into income, you’ll have various payout options to choose from, tailored to your specific needs.
Similarly, an Indexed Universal Life (IUL) policy provides both a death benefit and a cash value component. The cash value can be linked to a market index, giving you the potential to benefit from stock market growth while still enjoying the security of life insurance protection, without the financial risk typically associated with investing in the market.
At Ai Merchantry®, we believe in offering solutions that combine flexibility, security, and long-term growth potential, always keeping your best interests at the forefront.
At Ai Merchantry®, we are deeply committed to helping you secure the financial future you deserve. The first step in ensuring you have the retirement income you need is to contact us. We will guide you through the various products available and tailor a solution that aligns with your goals and values, providing long-term financial security for you and your loved ones.
Many of the annuity and life insurance products available through Ai Merchantry® come with valuable guarantees, offering peace of mind for those concerned about having enough retirement income from other sources.
eThe best part? Choosing a product with guarantees doesn’t mean sacrificing the potential for growth in your annuity or cash-value life insurance policy. With our commitment to integrity and long-term financial security, we provide solutions that balance protection with growth, ensuring your retirement plan is both secure and flexible.
