What is a Single Premium Immediate Annuity

Can you earn up to 8% return in an investment?

Is it true? Is it possible to earn up to 8% pay out rate on your investment?

If you are an Arizona retiree and was told there is an investment product that is safe, has no market risk and no fees – yet could earn you a pay out rate up to 8% would you believe me?

Well, it’s true. You CAN earn up to 8% pay out rate with a SINGLE PREMIUM IMMEDIATE ANNUITY. These rates can vary and go up and down prior to locking in. As you read this article there is a chance rates and returns are different now than when this article was originally written. Please contact us for the most current rate of return information available.

A Single Premium Immediate Annuity is one of the best and safest investment products for retirees today. A recent financial planning article stated that 73% of retirees own an annuity and consider annuities vital to their retirement planning.

With No market risk & No fees, an SPIA has is becoming a hot product among retirees. A single premium immediate annuity offers something that many other older investors are looking for – safety and no risk.

The older you are the higher the pay out rate you will receive. Some older retirees can recoup up to 8% pay out rate or more each month. It’s not uncommon for a retiree to boost their monthly bottom line by up to $300 – $700 or more. Pay out rates vary based on age, gender and marital status.

….Wait, there’s more!

The best part – the payments are guaranteed level for lifetime. The payments will never decrease even if the market tanks again. That means even if the market tanks, interest rates tumble and inflation raises its ugly head your income payments will never change and never decrease.

In today’s market consumers are nervous. CD’s and savings account pay next to nothing in interest. The stock market carries risk that many investors

Get more information

Do you want to get more information on how to boost your monthly income with no fees, no risk and the payments are guaranteed level for life? Call me at (480) 659-0229.

Boost Your Retirement Income

Are you retired and interested in boosting your retirement income? Would you like to boost your retirement income by up to $300 – $700 per month with NO market risk and NO fees?

Another option is the Arizona fixed annuity. This is a safe and secure investment that won’t earn a really high rate of return but will be conservative.

Would you be excited about receiving up to a 6 % pay out rate? How about receiving up to a 8% pay out rate? Trust me, it’s not as hard as you might imagine.

Anyone in today’s economy who see’s an advertisement about a 8% pay out rate should be skeptical. Yet it is completely true.

Who wants CD’s today? They may pay 1%. Who relies upon bank savings accounts? Stock market? Sure if you don’t mind risk and that is the big rub with alot of seniors today. They are not working and have no way to replenish savings if lost in the market.

So how does earning a pay out rate up to 9% sound to you now?

What product are we referring to? A Single Premium Immediate Annuity. It is quickly becoming one of our favorite income products for retirees today. Yet, we do make one caution.

A Single Premium Immediate Annuity is not for a younger person looking to accumulate money. This product is for a retiree. And you do not want to put all your money into an SPIA. If buying an SPIA you want to have some monies in a separate account that is accessible for emergencies.

Contact me today if you have questions or want to learn more.

Most investors of any kind have lost money in just about every type, especially over the past five years.

There are some investments though that do not lose money – fixed annuities and equity indexed annuities.

FIXED ANNUITIES: Pays a fixed interest rate that is usually more than a CD or bank savings account. Interest is usually tax deferred, which is great considering tax rates are likely to only go up.

EQUITY INDEXED ANNUITIES: Pays you a rate of return usually somewhere between 0% and up to 8% or so. If the market tanks and loses 10%, 20% or whatever this type of investment simply pays you zero. Wouldn’t you rather earn 0% than lose money? If the market goes gangbusters and earns 10%, 20% or more you have a cap earnings of 8% or so. These investments are usually tax deferred, which is great considering tax rates are likely to only go up.

Single Premium Immediate Annuity:You surrender a lump sum of money to the insurance carrier. In return they provide you a monthly check for a certain time period in years or even the rest of your life. The longer you live the better the return for you. In some SPIA’s you give up your monies completely if you die. However, that may not always be the case as there are different products. A SPIA can provide you a much higher pay out rate than most investments today with no risk and no fees.

If you have money invested somewhere else are you are uncertain about the future, please call us for details on a fixed annuity and/or equity indexed annuity.


P.S. Pay out rates shown above will vary depending upon age, gender and marital status. The older the age the higher the pay out rate, generally. An SPIA investment has no fees and zero market risk.