DeFuso Insurance And Retirement Services  
AN AGENT YOU CAN COUNT ON                  OUR FOCUS IS ON YOUR PRIORITIES   
       (704) 483-2691








Call DeFuso Insurance
for more information and
current annuity rates and plans.
(704) 483-2691


Our annuities have walk away terms that range
 from 3 to 10 years. 
Your money doesn't have to be tied up for long periods of time making them ideal for seniors where life changes may necessitate the need for access to funds.



DeFuso Insurance offers annuities from many different insurance companies.  All the insurance companies
we utilize to help our clients are A rated or better by any of the
major rating services.



Do you feel secure
when you see the
changes in our market over the past years?   Have you lost principle
 leaving you concerned about your retirement funds?



Contact DeFuso Insurance and let us see if we can help you sleep at night.


Email us today for a quick, free, no obligation review of your situation.

OR

Call (704) 483-2691













    
   Annuities

YOUR LIFE AND HEALTH INSURANCE SPECIALIST SERVING LINCOLNTON NORTH CAROLINA AND THE SURROUNDING CHARLOTTE METRO AREA FOR OVER A DECADE

  WE HAVE THE KNOWLEDGE... WE HAVE THE PLANS THAT ARE RIGHT FOR YOU...
AND WE HAVE THE EXPERIENCE.

WHAT ARE ANNUITIES?  An older definition of annuities may sound something like this:  An interest bearing contract between an individual and a life insurance company that guarantees periodic payments to the individual during a specific period of time.
ANNUITIES HAVE CHANGED OVER THE YEARS

Annuities have been around for well over 100 years and no one in the history of annuities has ever lost any principle outside of an early withdrawal.  A primary characteristic of annuities are that the principle is guaranteed as well as a minimum interest rate on that principal for the life of the annuitant.  The big misconception around annuities is that you pay an insurance company a lump sum premium.  In return for the premium you get a guaranteed monthly income stream for either life or a specified period of time.  If you pass away prior to the term of the contract, the insurance company gets the balance of your money.  There are still annuities that carry those characteristics but most modern annuities leave you a choice in selecting the different options for pay outs.

Lets look at more modern annuities and some of their characteristics:
          « Tax Deferred growth for the life of the annuitant.  Never pay taxes on your growth again
              unless you withdrawal funds.

          « Guaranteed minimum interest rate for life.
          « Guaranteed never to loose your principle or it's growth once it becomes a component of
              your principle.

          « Guaranteed access to a percentage of your principle with out penalty or withdrawal charges.
          « Guaranteed income stream for life if you choose that option.
          « Guaranteed income to beneficiaries for a specified time after your passing if you choose that
              option.

          « Avoids the probate process.  Pass the principle plus growth to your aires without probate
              costs absorbing funds.

          « Guaranteed principle and interest unlike the FDIC that guarantees principle only.
          « May come with a check book for immediate access to your money.
          « Toll free access line to check the value of your annuities daily.
          « The agent is paid by the insurance company not out of your principle leaving all your money
               working for you from day
one.
          « Many annuities offer immediate access to funds with no early withdrawal charges from life
               changing events such as a loved one needing nursing home care, unexpected home damage
               from storms, sudden unemployment, a loved one
becoming disabled.
          « At maturity you can choose to walk away with access to 100% of your annuities value,
                principle and interest, or you
can leave your money grow maintaining the guaranteed rate
                of return.  Maturity ranges from 3 to 10 years making
them ideal for folks of any age but
                particularly ideal for the senior market.

HOW MUCH OF YOUR NEST EGG CAN YOU LOSE AND STILL BE COMFORTABLE??
ANNUITIES MAY BE THE MOST SENIOR FRIENDLY PRODUCT AVAILABLE FOR YOU TODAY

WE OFFER:

The Life Annuity, The Tax Deferred Annuity, Fixed Annuities as well as many other types of annuities.

CONTACT US TODAY TO BETTER UNDERSTAND THE DIFFERENT TYPES OF ANNUITIES


DeFuso Insurance And Retirement Services
Lincolnton, NC
704-483-2691
888-882-1364
info@defusoinsurance.com



OUR MOTTO:

 DO THE RIGHT THING, THE FIRST TIME, EVERY TIME



Home  Life Insurance  Annuities  Long Term Care  Medicare Supplements  Medicare Information  Major Medical  Other Services  Contact Us