Annuities, Greensboro, NC

Annuities, a financial product offered by insurance companies, provide individuals with a steady income stream in exchange for one or multiple payments. They are particularly popular among retirees in the Greensboro, North Carolina area who are seeking a predictable income for the duration of their lives.
Annuities in Greensboro, North Carolina

We provide straightforward and easily comprehensible annuity options.

Annuities can be categorized into three main types: fixed, variable, and indexed. Fixed annuities guarantee a fixed rate of return and a consistent income regardless of market fluctuations. Variable annuities, on the other hand, offer a variable rate of return based on the performance of underlying investments. Indexed annuities provide a return linked to an economic index.

Annuities can also be classified based on premium payment methods, income commencement, duration of payments, and tax status. The two broad categories are immediate and deferred annuities. Immediate annuities provide income immediately after a lump sum payment, while deferred annuities offer income at a future date, typically after regular contributions during the savings phase. Deferred annuities can also be held within retirement accounts like traditional IRAs or 401(k)s.

When purchasing an annuity, you entrust a lump sum of money to an insurance company in exchange for regular payments over a specified period. This can be advantageous for retirees seeking additional income or a guaranteed income stream throughout their lives. Immediate and deferred annuities are the primary types, with immediate annuities providing immediate payouts and deferred annuities paying out at a later date after potential growth. Deferred annuities can have fixed, variable, or indexed interest rates.

Annuities can be complex financial products, involving various features and options that may be overwhelming to navigate.

It’s crucial to fully comprehend the terms, including fees, charges, surrender penalties, and any additional features or riders. If you’re considering an annuity, it’s advisable to consult with a financial advisor who can assess its compatibility with your long-term financial plan and recommend a suitable option.

At Moser Insurance Group, Inc., we understand that the process of purchasing an annuity can be intimidating. That’s why we provide straightforward and easily comprehensible annuity options. We believe that with the right information and guidance, anyone can make an informed decision about their financial future.

When considering the purchase of an annuity, take the time to research and evaluate your options based on your financial goals, current situation, and desired outcomes. We offer personalized advice and assistance to help you select an annuity that aligns with your needs.

Remember, investing in an annuity can be a wise choice that ensures financial stability and peace of mind for years to come. Reach out to us at Moser Insurance Group, Inc. today to explore our annuity options and discover how we can assist you in securing your financial future.


At Moser Insurance Group, Inc., we help customers with annuities in Greensboro, Jamestown, Burlington, Lexington, High Point, Winston-Salem, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte, North Carolina.

10 FAQ’s for Annuities

What are annuities?

Annuities are financial products offered by insurance companies that provide individuals with a steady income stream in exchange for one or multiple payments. They are popular among retirees seeking predictable income throughout their lives.

What are the main types of annuities?

Annuities can be categorized into three main types: fixed, variable, and indexed. Fixed annuities guarantee a fixed rate of return and consistent income. Variable annuities offer a variable rate of return based on underlying investments. Indexed annuities provide a return linked to an economic index.

How are annuities classified based on payment methods?

Annuities can be classified based on premium payment methods. Immediate annuities provide income immediately after a lump sum payment, while deferred annuities offer income at a future date after regular contributions during the savings phase.

What are immediate and deferred annuities?

Immediate annuities provide immediate payouts after a lump sum payment. Deferred annuities pay out at a later date, typically after regular contributions during the savings phase.

Can annuities be held within retirement accounts?

Yes, deferred annuities can be held within retirement accounts like traditional IRAs or 401(k)s.

What are the advantages of annuities?

Annuities can provide retirees with additional income or a guaranteed income stream throughout their lives. They offer a sense of financial security and predictability.

What are the differences between fixed, variable, and indexed annuities?

Fixed annuities guarantee a fixed rate of return, while variable annuities offer a variable return based on underlying investments. Indexed annuities provide a return linked to an economic index.

Are there fees and charges associated with annuities?

Yes, annuities may involve fees, charges, and surrender penalties. It’s important to fully understand these terms before purchasing an annuity.

Should I consult with a financial advisor before purchasing an annuity?

It’s advisable to consult with a financial advisor who can assess your long-term financial plan and recommend a suitable annuity option based on your goals and situation.

How can Moser Insurance Group assist with annuity purchases?

At Moser Insurance Group, Inc., we offer personalized advice and assistance to help you select an annuity that aligns with your needs. We provide straightforward and easily comprehensible annuity options to ensure you can make an informed decision about your financial future.

Your peace of mind is our priority.

Speak with a professional today.

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