CAB Financial Solutions

Annuities are insurance contracts issued by life insurance companies. Product availability, features, interest-crediting methods, participation rates, caps, spreads, bonuses, income riders, fees, and surrender periods vary by product, carrier, state, age, and contract terms. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.

Annuities are not bank deposits, are not FDIC or SIPC insured, and are not guaranteed by any federal government agency. Withdrawals may be subject to surrender charges, market-value adjustments, ordinary income taxes, and a federal tax penalty when applicable. Consult a qualified tax or legal professional regarding your individual circumstances.

Fixed indexed annuities do not invest directly in a market index. Interest credited to the contract is determined by the terms of the selected crediting strategy and may be limited by caps, participation rates, spreads, volatility controls, or other contract provisions. Index gains, dividends, and published market returns do not necessarily equal the interest credited to an annuity contract.

Optional lifetime-income benefits may require an additional charge and are governed by the terms of the rider. Income percentages, withdrawal amounts, benefit-base values, and accumulation values are not the same. A lifetime-income guarantee generally applies only when withdrawals are taken in accordance with the contract and rider provisions.

This website is provided for general educational and informational purposes only. It does not constitute investment, legal, accounting, or tax advice; a recommendation to buy or replace any financial product; or a complete description of any annuity contract. Before purchasing or replacing an annuity, review the carrier-issued illustration, disclosure documents, buyer’s guide, surrender schedule, and complete contract.

CAB Financial Solutions™

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