Fixed

What is a Fixed Rate or

Guaranteed Return Annuity?

Guaranteed Return Annuities allow you to "lock in" a certain interest rate specified period of time, anywhere from three months to as long as ten years. These rates can be as much as 1% to 2% higher than bank Certificates of Deposit or Money Market Funds. In addition, the insurance company gives you a 100% guarantee* that you will not lose your principal or interest as long as all product guidelines are met.

One of the most compelling features of a Guaranteed Return Annuity is the ability to have your investment compound tax-deferred, which means that you do not pay taxes on your interest until it is you make a withdrawal. That means you end up earning interest three ways.

Your principal earns interest. Your interest earns interest. Additionally, all of the money that you would have paid to the IRS stays in your account to earn interest for you as well. This tax-deferred compounding is what makes annuities such an attractive way to safely grow your funds... for and during retirement.

* Principal and interest guarantees are based on the claims paying ability of the individual insurance company.

Key Benefits

	Tax-deferred accumulation
	Tax deferred compound earnings
	You control when you want to pay taxes
	100% guarantee of principal and interest
	Competitive interest rates
	Can be structured to avoid probate

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Securities offered through Mutual Service Corporation. Mutual Service Corporation and LPL Financial are affiliated companies and are members of FINRA/SIPC. FINRA web site is www.FINRA.org. Investment Advisory Services offered through Financial & Investment Management Advisors, Inc., an SEC Registered Investment Advisory Firm. Financial & Investment Management Advisors, Inc. is not affiliated with Mutual Service Corporation or LPL Financial.

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