Find the Plan That Fuels Your Future

When you look ahead to retirement, think about what “someday” could bring—and dream big. Whether this means a cabin in the woods or a cottage on the coast, lay the foundation toward achieving it by funding your retirement plan today. Because time itself is among the biggest factors affecting financial growth, making good choices early on puts you firmly in the driver’s seat, although it’s never too late to start. At 1891 Financial Life, we’re all about helping you make those decisions—showing you options and scenarios, answering every single question, so that you’re absolutely comfortable with the choices you make.

At A Glance

Check out a brief overview of our Retirement and Annuity products:

Non-Qualified Annuities

Starting out, playing catch-up, or almost at the finish line? Either way, these annuities let you make progress toward your retirement goal by reducing your future taxable income.

Non-Qualified Annuities are funded with after-tax funds, so they’re often selected by those who’ve maxed out on allowable contributions to their employer’s qualified plan or their IRA.

Features

  • Choose a 3-Year, 7-Year, or 10-Year Surrender1
  • Competitive interest rate for tax-deferred growth on earnings3
  • Invest no matter how much you earn
  • After year 1, withdraw 10% of contract in a certificate year without incurring a withdrawal charge4
  • Contract features offer access to funds, allow for generous contributions and more3,4
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Traditional IRA Annuities

The flexibility of these annuities offers a way to feather your retirement nest with the peace of mind that comes from knowing you’ll never receive less than the guaranteed minimum interest rate.

Features

  • Choose a 3-Year, 7-Year, or 10-Year Surrender1
  • Competitive interest rate for tax-deferred growth on earnings3
  • Guaranteed minimum interest rate
  • After year 1, withdraw 10% of contract in a certificate year without incurring a withdrawal charge4
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Roth IRA Annuities

The dual opportunities for unfettered growth and lifetime income have great appeal for those who want the best of both worlds.

Unlike traditional IRA annuities that are funded with pre-tax dollars, Roth IRA annuities are funded with money on which you’ve already paid taxes, allowing you to put the pedal to the metal and maximize your wealth accumulation.

These annuities are often selected by super-savers who expect to be in a higher tax bracket later on.

Features

  • Choose a 3-Year, 7-Year, or 10-Year Surrender1
  • Contract is funded with after-tax dollars so money grows tax-free3
  • Competitive interest rate
  • Minimum guaranteed interest rate
  • No taxes due upon withdrawal of funds at retirement (if contract owned for at least 5 years and one of several qualifying IRS conditions is met)3,4
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5-Year Multi-Year Guaranteed Annuity (MYGA)2

While your eyes are fixed on the retirement prize, you may not prefer, or have the timeline necessary for, the high risk that comes with high-reward investments. This annuity offers you a great way to lock in a positive fixed return, five years at a time. Set it and forget it, knowing you’ve secured a means of retirement.

Features

  • Competitive 5-year fixed interest rate
  • Guaranteed returns eliminate market risk and volatility
  • Customize your benefit with riders
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Single Premium Immediate Annuity5

Embrace the freedom of retirement as you secure a guaranteed income for life - immediately. Start enjoying the benefits of your retirement plan today!

You can also supplement your retirement income for a specific period: 5, 10, 15, 20, or 25 years.

Or you can combine the specified period with the assurance of income for life.

Features

  • Purchased with a single lump-sum payment
  • Turn qualified money or non-qualified money into a stream of income
  • Customize your income based on your needs
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DISCLOSURES

Subject to change. Product/features may not be available in all states.
13-Year 23FPDA Plan Series. 7 and 10-Year 20FPDA Plan Series. 1st year guaranteed interest rate; renewal rate based on market conditions; minimum guaranteed interest rate 3.0% after year 1.
220MYGA Plan Series. Guaranteed interest rate for 5 years; renewal rate based on market conditions; minimum guaranteed interest rate 3.0% after year 5.
3Consult your tax advisor regarding your individual situation.
4A small surrender charge applies within the first 3, 7 or 10 years. 1891 Financial Life allows up to 10% withdrawal penalty-free; however, the IRS may impose a penalty on withdrawals made prior to age 59 ½.
522SPIA Plan Series.