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| Annuities |
Issued by insurance companies, annuities let you defer taxes while your assets grow. These financial products can then become a guaranteed income stream when you retire, providing specified amounts both to you and others over a period you choose.
Variable Annuities
Variable annuities afford both investment and protection in a single retirement vehicle. A long-term contract between you and an insurance company, they are designed to let you:
- Grow your retirement assets in a diversified, professionally managed portfolio
- Schedule withdrawals in a regular stream throughout your retirement
- Keep your retirement assets safe with a death benefit, among others
- Defer taxes on the assets as they grow
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What are my "needs"?
Optional benefits available with your variable annuity can help cover any income gap between your pension, Social Security and annuity disbursements and your your actual "needs". For an additional fee [Guaranteed Minimum Withdrawal Benefits (GMWBs)], for example, can help you reach your financial goal by:* ?
- Guaranteeing regular, lifelong income
- Giving you control of the investments you make in your annuity
- Combining up market participation with down market protection
{Defined} Portfolios
One way to reduce volatility and increase potential returns is to vary asset classes, investment approaches and portfolio managers in order to diversify your portfolio. Naok Financial’s Defined Portfolios are managed by professionals with deep experience in sophisticated asset allocation and diversification. [Defined Portfolios] tailor the balance between risk and reward to your unique goals and lifestyle.
Fixed Annuities
Naok Financial's fixed annuities are designed to guarantee lifelong retirement income while accumulating tax-deferred retirement assets. Of course we also offer guarantees on principal and minimum interest rates, along with:
- Personal control over a lifelong retirement income
- Health care referral services and programs to help cope with the unforeseen
- Simple, client friendly access to your fund
*Limitations and restrictions apply. Guarantees backed by issuer's ability to pay claims; see prospectus for full details!
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