帮助 secure your retirement
An annuity from State Farm 人寿pp王者电子官网 Company or State Farm 生活 and Accident Assurance (residents of NY and WI only) is a great way to grow your money now and ensure a steady flow of income in the future.
年金的基础
How deferred annuities work
积累阶段
在这个阶段, the customer pays either a lump sum or makes periodic payments to the insurance company. These payments accumulate at interest over a period of time, similar to a savings account. 然而, unlike most other savings vehicles, interest is earned on a federally income tax-deferred basis. This tax advantage is one reason annuities have become important retirement planning tools (Although income tax-deferred, taxes will become due when funds are withdrawn).
Distribution phase (income payout)
Income payments can be made monthly, quarterly, semi-annually, or annually. The amount of these income payments is based upon the accumulation value when payments begin, the age and gender of the annuitant,* and the income option selected. If the annuitant selects one of the life income payout options, guaranteed payments will continue for the rest of his or her life.
* Unisex rating applies to certain tax-qualified plans and policies issued in Montana.
听起来很简单，对吧?? And yet t在这里's a lot of confusion and misinformation out t在这里 when it comes to annuities. At State Farm® we're committed to providing you with the answers you need to make confident, well-informed choices when it comes to your future.
Learn more about annuities
Our annuities at a glance
State Farm offers two types of annuities. Learn more about which one best fits your personal retirement program.
| 未来收入加 | 保证收入 | |
|---|---|---|
| 人生阶段 | Closer to retirement with a sizable amount already 保存d, seeking a guaranteed rate of return and would like the option to annuitize it in the future. | 关于 to retire or already retired and you want a steady, guaranteed income right away |
| 高级模式 | 一次性付款 | 一次性付款 |
| Minimum initial premium amount | 0-99岁:2.5万美元 | 21-90岁:2.5万美元 |
| Interest rate guarantee period | Interest rate guarantee periods can vary based on new or renewal business and by state. 联系 your 州立农场代理 for specifics. | N/A |
| Guaranteed minimum interest rate | At least 1% for duration of policy | N/A |
披露的信息
This is a general description of coverage. A complete statement of coverage is found only in the policy.
For more details on coverage, costs, and restrictions, or to apply for coverage, contact your local 州立农场代理.
pp王者电子官网 policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.
Neither State Farm® nor its agents provide tax or legal advice.
Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.
出具:
State Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY, or WI)
State Farm 生活 and Accident Assurance Company (Licensed in NY and WI)
首页 Office, Bloomington, Illinois
Each insurer is financially responsible for its own products.
IL - 159.7