For years you have been managing your investments to make sure that you’re getting the maximum amount of return. Watching market indices and dividends can be time consuming and stressful. After all, retirement is supposed to be when you relax, stop worrying and enjoy life. By moving a portion of your savings into an immediate annuity, you trade worrisome stock market dips and constant investment vigilance for guaranteed lifetime income that provides a favorable return, without having to monitor anything. And you’ll be able to benefit from the immediate annuity’s tax advantaged exclusion ratio to eliminate income taxes on a significant portion of your monthly payments.

With an immediate annuity, you’ll achieve peace of mind. Your money will no longer be subject to the ups and downs of the stock market – and you’ll have the assurance of a guaranteed lifetime income. Most immediate annuities offer an internal rate of return that is better than other safe savings vehicles, such as bank CDs and savings accounts. The safety of your immediate annuity is secured by the insurance company offering the annuity product. By choosing an immediate annuity from an insurer with solid financial strength ratings from A.M. Best or Moody’s, two independent insurance rating organizations, you enter into your annuity arrangement with a company that is safe and sound.

When you purchase an immediate annuity, payments begin within 12 months, and those payments typically continue for the rest of your life, whether that is 5 years or 50 years. No more will you need to look at quarterly reports or adjust investments. Immediate annuities also offer tax advantages, which means that when non-qualified funds are used to purchase your annuity, you will only pay income taxes on a certain percentage of your income payments, called an exclusion ratio.

To learn more about how an immediate annuity can offer stress-free retirement income and peace of mind, call AnnuityLibrary.com at 1-800-998-4056. The Annuity Specialists have access to hundreds of immediate annuity products and can help you narrow down which annuity is best for you.