Annuities

Fixed and Equity Index Annuity Products

Safe Money Assets believes that a certain amount of money should be accumulated in products that offer a fixed interest or fixed interest determined by the performance of some index account on a tax deferred basis. These products are designed for accumulation. We do not offer any investment type products…only "safe money" products.

• Flexible Premium Deferred Annuity products provide for single or ongoing premium contributions that grow tax deferred until the client determines it is time to take income of some form.
• Single Premium Deferred Annuity products provide for a single premium contribution that grows tax deferred until the client determines it is time to take income of some form.
• Single Premium Immediate Annuity products provide for single premium contribution with an income beginning from one month to one year after the annuity starting date. The income distributed depends on the income format determined appropriate for the needs of the client.

Click here for a Annuity product features comparison chart.

Life Insurance

• Competitively Priced Term Insurance products that provide for the maximum amount of life insurance protection for the minimum amount of premium outlay for a specified period of time.
• Universal Life Insurance products that provide both life insurance protection and an accumulation of cash values that grow tax deferred until withdrawn.

Appropriate Uses

There are times when term life insurance is the most appropriate product to deliver life insurance protection. One must remember that "term is never forever". Eventually, term will become prohibitively expensive to deliver the benefit intended.

There are times when permanent life insurance, whether universal life or whole life is the appropriate product. Generally more expensive than term life insurance, permanent products may offer a lifetime of benefits. At "Safe Money Assets", if life insurance is found to be appropriate, every effort is made to match life insurance needs with premium affordability.

One must also remember that "the best life insurance is an amount that is affordable on an ongoing basis".