• Home
  • Currently Insured?
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | (732) 295-5584 | INEAGENCY@GMAIL.COM
Home
  • Home
  • About Us
    • About Us
    • Benefits of Using an Independent Agent in Freehold, NJ
    • Why Use an Independent Insurance Agent in Point Pleasant?
    • Location Map
    • Privacy Policy
    • Event Calendar
  • What We Offer
    • Annuities
    • Automobile
    • Bonds
    • Business & Commercial
    • Dental
    • Flood
    • Homeowners
    • Life & Health InsuranceImage of right arrow
      • Jackson Township Life Insurance
    • Limousine
    • Recreational Vehicle
    • Renters
    • Retirement Planning
    • Trucking
    • Watercraft & Boat
  • Get A Quote
    • Quote Forms
    • Auto Insurance Quote
    • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Builders Risk
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Dental Insurance Quote
    • Earthquake Quote
    • Flood Quote Form
    • Health Insurance Quote FormsImage of right arrow
      • Disability Insurance Quote
      • Health Insurance Quote
      • Long Term Care Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Homeowner Flood Quote Form
      • Homeowners Insurance Quote
    • Life Insurance Quote FormsImage of right arrow
      • Life Insurance Quote
      • Senior Life Insurance-Final Expense Insurance
      • Term Life Insurance Quote
    • Limousine Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Retirement Plans
    • Truck Quote Request
    • Watercraft Insurance Quote
  • Currently Insured?
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Make a Payment
    • Insurance Glossary
    • Customer ServiceImage of right arrow
      • Customer Service Forms
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO Read More
Home & Flood Insurance HOME & FLOOD Read More
Business Insurance BUSINESS Read More
Life & Health Insurance LIFE & HEALTH Read More
Watercraft Insurance WATERCRAFT Read More
Retirement Planning RETIREMENT PLANNING Read More
Home > Annuities in New Jersey | Earn competitive returns with out the Risk

Annuities


Annuities Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Annuity Quote Form
Get Annuity Quote
Get Annuity Quote

Annuities Information

someone writing on paper

What is an annuity?

Annuities today can offer significantly higher rates than BANK CD's but before you put your money into an ANNUITY, get the facts.

An Annuity  can be Fixed, paying a specific rate, Indexed based, paying interested based on the performance of an index or Variable, whether your assets are invested in the stock or bond market and your returns are based on their performance. What ever the kind of Annuity you get , the annuity is a long-term contract between you ( the annuitant) and an insurance company called the annuity issuer. The contract term can be very short term like one year or less, and then can be a  life time, it depends on what you want and what an insurance company offers.
 
Under the contract between you and the Insurance company, you will be paid interest. But there are several ways how how to calculate the interest. In the case of an Indexed or Fixed rate return Annuity, your principal will not fluctuate, But if you have a variable annuity you could loose principal. In a fixed rate annuity , the owner of the contract earns interest based on the declared rate. But in the case of Fixed and Indexed Annuities, you earn interest deferred (subject to the claims-paying ability of the issuer). The Insurance company declares a rate on your contract and the interest is added to your policy on a yearly basis.

If you have  a fixed annuity, your interest rate is guaranteed by the Insurance company . With a variable annuity, your earnings are linked with the fluctuating performance of your investments and may be worth more or less than your principal when redeemed. In addition, you have added control in how your money is invested, creating a higher potential for growth. However, this option comes with a higher risk in return.

Unlike other investment plans, there is no limit to how much you can invest in an annuity. Your funds will steadily grow with a tax-deferred status, and you pay your regular tax income rate on only your earnings upon withdrawal.  

What annuity options are available?

An immediate annuity can begin paying you right away. You can choose whether you want your income guaranteed for a specific time period or if you want lifelong payments. The amount of your payments is calculated based on your principal and your life expectancy.

A deferred annuity is broken up into two phases:

  • Accumulation: This is when you add money to your annuity, whether you pay in a lump sum or you make a series of payments. You can continue to let your account grow tax-deferred for an indefinite amount of time.
  • Distribution: This is when you begin withdrawing money from your annuity whether you take out systematic withdrawals or you annuitize to supplement your finances with a regular stream of income for life.

Why buy an annuity?

An annuity is a good option for individuals who seek safety and a reasonable rate of return and can be very competitive against other alternatives . Your earnings can then be used to supplemental income during retirement, also providing a guaranteed financial independence as you age, or a monetary legacy to leave behind for your loved ones. An annuity can help you continue living comfortably well into old age.

Call Us at 732-295-5584 , to learn more about planning your future with an annuity. EARN competitive returns without the risks, call for details
We are happy to answer your questions, or email us at ineagency@gmail.com 

Facebook
Narragansett Bay logo
UPC Insurance logo
Travelers logo
The hartford logo
metlife logo
new jersey skylands insurance logo
progressive logo
facebook logo

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us
Chamber Certified
trusted choice logo
professional insurance agents logo
Car Insurance Agencies

Contact Us

location icon
  • I & E Insurance Agency
  • 2900 Route 88
  • Point Pleasant, NJ 08742
  • Phone: 732-295-5584
  • ineagency@gmail.com

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, accountant or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice , Independent Agents of America and member of the ANE Network of Independent Insurance Agents, contact your own advisors before making any decision.

Services offered through independent NON-AFFILIATED ENTITIES

© Copyright. All rights reserved.
Powered by Insurance Website Builder