Fixed annuities are a great way to help you save, provide the benefit of tax-deferred earnings and guarantee income for life, if needed.

A fixed annuity is a unique insurance product provided by an insurance company. Many of the fixed annuities offered through Regions Investment Services guarantee that you will earn a specific interest rate for a specified contract period. ¹

If income distribution is selected, you will receive payments that may last for a specific period, such as 10 years, or for an indefinite period, such as your lifetime.

Benefits of annuities include:

• Tax-deferred accumulation: Interest compounds tax-deferred, and the interest is taxed as income should you withdraw or start distribution. ²
• Guaranteed income: Annuities can guarantee an income payment for a set period or for the life of the annuitant and/or spouse.
• Principal guarantee: Many of the fixed annuities offered through Regions Investment Services offer a principal guarantee. ¹
• Probate avoidance: In case of death, funds transfer to your beneficiaries and may bypass probate. ³

Regions Investment Services offers a variety of fixed and immediate income annuities with some of the industry’s top-rated insurance companies.

Choosing an annuity that is right for you depends on many factors, including your investment goals and objectives. If you have longer-term objectives, such as saving for retirement or looking for guaranteed income, an annuity may be appropriate.