Helping your clients prepare for a secure financial tomorrow can be a challenge and deciding which products are best can be difficult.
We are here to help with products that offer a variety of features and flexibility tailored to meet the distinct needs of fee-only advisors: Non-commissioned products that can pay higher interest rates or payouts than comparable commission products.
*Commutation benefit is currently unavailable in New York and Oregon, and only available with payment options containing a period certain component of 10 years or more and all life contingent contracts with guaranteed payments.
An immediate annuity is permanent. An owner has no access to the premium, which converts to income payouts. A contract has no cash value, no death benefit and can’t be surrendered. Terms such as the payout amounts, timing and rates cannot be changed, unless commutation elected. Payouts end at annuitant death unless certain period or installment refund option elected. Life contingent payout may be less or more than premium based on length of annuitant(s) life. Life and Temporary Life payouts provide no benefit on or after the death of the annuitant(s). The commutation rider is not available all states.
Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the insurance company issuing the annuity. Guarantees are based on the claims-paying ability of the insurer. W&S Financial Group Distributors is an affiliated agency of the issuers, which have sole financial responsibility for their products. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age.
Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax. A charge may be assessed against the annuity value if a withdrawal is made during the withdrawal period is made that exceeds the free amount.
Integrity and National Integrity do not offer tax advice. For specific tax information, consult your attorney or tax advisor. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for availability, details and limitations.
NOTE: Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent.
No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.
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