Annuities

Taking steps towards a secure tomorrow for your family

Participate in the upside of the market

Transfer Bonuses on Your Entire Account

Life TIme Income

PROTECTION from the downside of the market

no caps and no fees

I’M Jaime Eufemia

Licensed Broker & Senior Field Underwriter

It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.

I’M Jaime Eufemia

Licensed Broker & Senior Field Underwriter

It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.

Let's Talk

Check out rates from leading insurance companies in the country.

Annuities Explained

The FIA (Fixed Indexed Annuity) is the fastest growing financial tool in the retirement industry. If

you are nearing retirement, or in retirement, chances are you cannot afford another market

down-turn. The FIA is designed to eliminate market loss, while allowing you to capture upside

gains.

Six Reasons To Consider An FIA

Accumulate For Retirement

FIAs offer the potential to earn interest based on changes in an external index. Allianz annuities give you a choice of several indexes and even some exclusive index options.

Protect Your Principal

Your contract can earn interest based on an external index, but you’re not actually buying any stocks or shares of an index. This means the money in your FIA (your “principal”) is not at risk due to market losses.

Grow Tax-Deferred

You don’t pay taxes on the interest your annuity earns until you take money out. This helps compound your interest, so the money in your contract can accumulate faster.

Get Flexibility

Some FIAs offer riders (either built in or at an additional cost) to help you address specific needs. They also offer a variety of crediting methods and flexible options for receiving income.

Receive Guaranteed Income

Annuities are designed to provide a reliable stream of retirement income, either for a set period or for as long as you live. Some FIAs even offer you the potential to get increasing income.

Leave A Legacy

FIAs pay your loved ones a death benefit if you pass away before you start taking scheduled annuity payments. (And, if properly structured, the death benefit is not subject to probate.)

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Benefits of Working with

Jaime Eufemia

Unlike some insurance advisors who are limited in their offerings, Jaime partners with multiple insurance companies to provide you with an array of options. Whether you're looking to cover funeral expenses, secure your home loan, or plan for retirement, consider Jaime your comprehensive one-stop shop for all your insurance requirements.

LEARN ABOUT Jaime Eufemia

Wide Product Range

Some insurance providers will only have access to a limited number of insurance carriers. Jaime works with a broad range of insurance companies, offering you a variety of options. From funeral costs to home loan protection and retirement planning, consider it a one-stop shop for all your insurance needs.

Diverse Expertise

Jaime is well-versed in all types of life insurance. With a wealth of options at your disposal, Jaime will guide you to find the insurance policy that best fits your unique requirements.

Deep Knowledge

With extensive experience in the field, Jaime knows the intricacies of life insurance policies inside and out. Trust in Jaime to help you discover the ideal match for your insurance needs.

Hassle-Free Experience

Navigating the world of life insurance can be complex, but not with Jaime on your side. Offering a hassle-free experience, Jaime simplifies your search by comparing multiple policies and clearly explaining their terms.

Customized Service

Jaime believes in offering personalized solutions tailored to your specific goals and needs. Through a deep understanding of your overall situation, budget, and future aspirations, Jaime partners with you to select a policy that both protects and empowers.

How Are Annuity Rates Established?

Understanding the rate of return of an annuity can be a crucial factor when considering which annuity product to go with. Typlically Annuity rates are based on several factors, including the age and health of the individual purchasing the annuity, and the length of the payout period.

One of the main factors that determine annuity rates is the

current interest rate environment. In general, annuity rates tend to be higher when interest rates are higher since insurance companies can earn more on the deposits they receive from annuity purchasers.

Conversely, when interest rates are low, annuity rates may be lower as well. Overall, the factors that determine annuity rates can be complex, and it’s important to carefully consider all of the factors involved before making a decision.

How Do Fixed Annuites Work?

To better understand annuities, let’s delve into their mechanics. Annuity contracts consist of two phases:

1) The accumulation phase

2) The distribution phase.

Accumulation Phase:

During the accumulation phase, you contribute funds to your annuity, which can be a lump sum or regular payments. The insurance company invests these funds, allowing your money to grow over time.

One of the advantages of annuities is their tax-deferred status, meaning you won’t owe taxes on the earnings until you start withdrawing the money.

Distribution Phase:

Once you reach the distribution phase, you have several options for receiving payments from your annuity. You can choose a fixed payment amount for a specific duration, opt for variable payments tied to market performance, or even select a lifetime income option that guarantees payments for as long as you live.

Who Should Buy An Annuity?

Annuities come with unique features that make them an attractive option for retirement planning. They offer tax-deferred growth, meaning you don’t have to pay taxes on the earnings until you withdraw the money. Additionally, annuities can be customized to suit your preferences, offering choices in

payout options and even providing death benefits for your beneficiaries. Ultimately, the manner in which your annuity earnings will be taxed depends on the type of funds you use to purchase the annuity.

Key Elements of an Annuity

Death Benefit: The total amount beneficiaries will receive upon the insured's death.

Bonuses: Many annuities offer a transfer bonus, with immediate crediting of up to 15% to your account.

Fees: Some FIAs have NO FEES. This means that you won’t pay tens or hundreds of thousands of dollars over your retirement.
Market Risk: When the market does go up, your account goes up, so you won’t miss out on future gains. If the Markey goes Down your Account will Never Loose Value.

Riders: You can take advantage of many Riders for Example - Life Time Income and Long time Care

Understanding The Types Of Annuities

Multi Year Guaranteed Annuity

Multi-Year Guaranteed Annuity Rates (MYGA) are set for the length of your contract. Most annuities provide some liquidity but not all; so that is something to keep in mind. Essentially a multi-year guaranteed annuity is a CD that is issued by an insurance company rather than a bank which is why MYGA annuities are often referred to as a CD Type of Annuity. This guaranteed rate of return is a primary reason multi year guaranteed annuities have become so popular among retirement savers.

Traditional Fixed Annuity

A traditional fixed annuity provides principal protection – offering a safe way to grow your savings without any market risk. Traditional fixed annuities do not guarantee a set interest rate for the entire length of the annuity contract.

Typically, they provide a high first-year interest rate guarantee and then the interest rate resets each year on the anniversary; the only guarantee is the annual renewal rate will be above the stated minimum guaranteed rate.

Fixed Indexed Annuities

Fixed Indexed Annuities combine elements of both fixed and variable annuities. They offer a minimum guaranteed interest rate, similar to fixed annuities, but also provide the potential for additional earnings based on the performance of a chosen market index.