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We believe in securing dreams and safeguarding futures. Our mission is fulfilled when our clients achieve lasting peace of mind through our life insurance solutions.
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Make a positive impact on the lives of our clients, their families, and the communities we serve, leaving a legacy of protection and prosperity.
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All you Need to know about annuities
What is annuities?
Annuities are a popular retirement option offered by life insurance companies. They provide a steady stream of income during retirement. There are different types of annuities, including fix annuity:
Immediate Annuities: Start providing payments soon after a lump-sum premium is paid.
Deferred Annuities: Allow your investment to grow over time before converting it into a stream of income.
What is Whole Life Insurance with Cash Value?
Whole life insurance policies build cash value over time, and you can use the accumulated cash value for retirement income. Some policies offer the option to receive dividends or take loans against the cash value.
What is Retirement Income Riders?
Certain life insurance policies offer optional retirement income riders that guarantee a minimum income stream during retirement, regardless of market fluctuations.
What is Whole Life Insurance with Cash Value?
Whole life insurance policies build cash value over time, and you can use the accumulated cash value for retirement income. Some policies offer the option to receive dividends or take loans against the cash value.
What Make Indexing Powerful?
Indexing lets your retirement benefit from market growth and lock in gains, while also protecting against losses. As the market index, like the S&P 500, goes up, your FIA captures gains and keeps them safe, without being affected if the index drops.
With Indexing, your retirement stays secure, ensuring your invested amount and gains are preserved even during market downturns.
1- Security and Guarantees
We work with financial institutions that have the highest ratings from trusted sources like Moody’s, AM Best, Fitch, and S&P. This ensures that they’re in a strong financial position to protect your money.
Additionally, these companies are officially registered in your state and are required to prove each year that they have enough money set aside to cover their obligations.
Your state also has a fund that these companies contribute to, giving you even more security and guarantees.
2- Remove the Risks of the Market
In retirement, there’s a serious risk called Sequence of Returns Risk. It’s about the order of your investment gains or losses.
Even if your investments usually make money, if you face many losses when you’re taking out money for living.
You might run out of retirement funds. This risk shows why smart planning for retirement is crucial.
3- Life Time Guaranteed Income
Annuities are special because they can promise income for life, something other investments can’t do. While regular investments might give you back what you put in plus gains, annuities have an extra advantage:
Mortality Credits, which are only in annuities (like FIAs). These credits can let you take out more money in retirement, often more than SAFEMAX rates. And the best part? Annuities can keep giving you a paycheck for life, even if you’ve used up your money.
4- tax Deferred Annuity
A tax-deferred fixed income annuity operates on a simple premise: you invest a lump sum, which then grows on a tax-deferred basis until you choose to start receiving payments. The tax-deferral aspect is particularly appealing, as it allows your investment to grow without the immediate burden of taxes on interest gains. This means more of your money is working for you, compounding over time to build a larger nest egg
5- Eliminate Fees
They’re straightforward – you give them a sum of cash, and they promise to pay you back a steady amount over time, without all those extra charges that other investments might surprise you with. This means more of your money stays yours and keeps growing over the years.
It’s a simple, worry-free way to make sure you’ve got a reliable income when you retire, without watching your hard-earned savings get nibbled away by fees.
3- Avoid Probate
With a fixed income annuity, you can directly name who gets the money after you’re gone. This means your chosen person or people can get the funds quickly and without the hassle or extra costs of probate. It’s a straightforward way to make sure your money goes straight to your loved ones, helping them avoid a complicated and stressful process.
So, it’s not just about saving for retirement; it’s also about making things easier for your family later on
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At PLA, we're dedicated to being your partner in achieving remarkable business growth and lasting success. With our comprehensive range of solutions and expert guidance, we provide the tools and strategies you need to build, expand, and thrive.
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William Shihata
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Susan Davis
Business & personal Benefit Agent
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Here is what customer say about us
John Anderson
Small Business Owner
“Prosperity Life Annuity transformed how I view business insurance benefits. Their team tailored a comprehensive package that perfectly suits my company's needs. Their dedication to my success is evident, and I'm confident that my employees' well-being is in capable hands. “
Jacob Leonardo
David Roberts
Controller
“Prosperity Life Annuity's expertise in business insurance benefits is unparalleled. They not only provided us with cost-effective options but also ensured that our employees have access to top-tier coverage. Their guidance has been instrumental in optimizing our benefits program. “
Michael Turner
Operations Manager
“Prosperity Life Annuity has redefined our approach to business insurance benefits. Their solutions are not only comprehensive but also flexible enough to accommodate our diverse workforce. The peace of mind they provide is invaluable, and their customer-centric approach sets them apart “
Jacob Leonardo
Emily Sanchez
Office Manager
“ can't thank Prosperity Life Annuity enough for their outstanding business insurance benefits. Our employees are thrilled with the coverage options, and the entire process has been seamless. Their team's professionalism and commitment to our team's well-being are truly commendable. “
Jacob Leonardo
Jennifer Mitchell
CEO
“As a CEO, ensuring my team's well-being is paramount. Prosperity Life Annuity's business insurance benefits have exceeded expectations. Their team's dedication and commitment to our company's success shine through in every interaction. They've truly become a valued partner. “
Jacob Leonardo
