Fixed Annuities

Building Financial Futures

The two basic types of Annuities that we offer are: Traditional Fixed and Fixed Index.

It is important that you know the type of Annuity that best suits your needs and the options available to you.

The Basics of Fixed Annuities are the areas in your planning process that should be addressed. The amount of time and knowledge you have can drastically impact your savings goals.

It's important that you take the steps necessary to obtain the information you need and determine if an Annuity is right for you.

Regardless of your age or the amount of money you have, we can assist you with;

  • Understanding Your Fixed Annuity Options
  • Providing a Current & Future Needs Analysis
  • Obtaining or Reviewing a Fixed Annuity
  • Supplementing Your Employer Offered Benefits
  • Protecting Your Current & Future Income
  • Funding Your Child's College Education
  • Accumulating Retirement Income
  • Examining Multiple Products
  • Addressing Inflation's Impact on Your Money

If you don't know the answers to the questions above, we can help you gain the knowledge to do so.

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Information and Questions

Here are some questions and things to think about when it comes to Fixed Annuities

The Average Contribution Towards a Fixed Annuity?

Some Fixed Annuities allow for premium contributions as low as $50 per month, whereas others may require a 1st year premium contribution ranging from $1,000 to $10,000.

The Average Cost of Retirement?

The Social Security Administration estimates that a retiree needs about 70% of preretirement income for retirement. The Department of Labor suggests 70% to 90 % of pre-retirement income is needed.

The Average Amount of Money Saved for Retirement?

15% of your take-home pay is a common amount used when saving for retirement. As your situation varies, you may need to adjust the amount you're saving. Approximately 60% of pre-retirees report a total savings and investments of under $25,000. About 49% of Americans say they aren't contributing to any retirement plan, according to a new survey conducted by LIMRA.

The Average Amount of Income Provided by Social Security?

Social Security retirement provides about 40% of the income needed, leaving the retiree to fill the gap. Approximately 35% of Americans over age 65 rely solely on Social Security.

The Average Inflation Rate?

In the most recent decade (2002-2011) the average annual inflation rate was 2.43%. The national average inflation rate in 2012 was 2.1% and 1.4% as of September 2013.

When should I consider a Fixed Annuity?

There are various reasons why you would consider a Fixed Annuity. Your age and objectives are determining factors when considering a Fixed Annuity. Some commons reasons to consider a Fixed Annuity are, but not limited to; Wealth Accumulation, Safety of Principle, Supplemental Income and Tax Deferral. Meeting with a licensed representative would help you determine if a Fixed Annuity is suitable for your needs.

What age do I need to be to obtain a Fixed Annuity?

Each Fixed Annuity product has its own age requirements, but typically anyone under the age of 85 has the ability to obtain a Fixed Annuity. The Surrender Period of the product and your age are determining factors in obtaining a Fixed Annuity.

What types of Fixed Annuities are available for me?

There are numerous Fixed Annuity products offered from multiple companies. The two types of Annuities we offer are; Fixed and Fixed Indexed. A licensed representative can help you determine which Fixed Annuity is suitable for your needs.

How much money can I put into a Fixed Annuity?

The amount of money you can put into a Fixed Annuity is based on several factors which include but are not limited to; your age, your state, your financial status and the product you choose.

Where do I obtain a Fixed Annuity?

Fixed Annuities are obtained from an Annuity Company. Sullivan Capital and its representatives represent a multitude of Annuity Companies in order to offer our clients a diverse selection of products. Simply Contact Us and we can help you get the process started today.

Why should I contribute to a Fixed Annuity?

Some commons reasons you should consider contributing to a Fixed Annuity are, but not limited to; Wealth Accumulation, Safety of Principle, Supplemental Income and Tax Deferral. Meeting with a licensed representative would help you determine what Fixed Annuity is suitable for your needs. Only you can determine why you should contribute to a Fixed Annuity.

About Us

Based in beautiful Southern California Wine Country, Calculated Insurance was founded in 2006 and incorporated in 2009.

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28936 Old Town Front Street
Suite 206
Temecula, CA 92590