Annuities
Assumed 4.5% interest rate. All contributions at the beginning of the year.
An annuity provides tax-deferred accumulation and the unique ability to give you lifetime guaranteed payments. Growth is tax-deferred as long as no withdrawals are made before age 59 1/2. And unlike a 401(k) or IRA, there are no limits on the amount you can put into an annuity. (Limits still apply to annuities funding qualified plans.)
There are two basic ways to invest in an annuity. You can invest one lump sum of money, called a single premium, or you can make regular payments over a period of time - a flexible premium. The graph to the right compares these two investment options over a period of 10 years.
COUNTRY® Financial offers several different types of annuities so you can choose the one that fits into your path to retirement savings:
- Single Premium Deferred Annuity
You fund the annuity with a single payment as a long-term investment. Withdrawals are deferred until a later date. This would be a good choice for someone who has inherited money, profited from the sale of a house, or received a lump sum settlement but won't be retiring soon.
- Single Premium Immediate Annuity
You fund the annuity with a single payment and begin receiving scheduled payments. Typically, this annuity is purchased by people who are getting ready to retire or are already retired, or people who need immediate access to funds.
- Flexible Premium Deferred Annuity
Regular payments, or premiums, are made for a long-term investment. Withdrawals are deferred until a later date.
- Variable Annuity *
You customize the annuity by picking funds from a broad range of investment options. This offers a greater potential for accumulated growth depending on the performance of the investments chosen. Tax-free transfers among investment options are another attractive feature. Investments in a variable annuity are subject to market risk and may lose value. Your risk tolerance, time horizon and investment objectives will all need to be considered.
If you still have questions on how annuities can enhance your retirement security, find a COUNTRY Financial representative in your neighborhood.
Issued by COUNTRY Investors Life Assurance Company®, Bloomington, IL. Coverage not available in all states. Read our full disclaimer.
COUNTRY Financial and our representatives cannot give tax advice. See a tax advisor for more details.
Issuing Life Insurance Company: COUNTRY Investors Life Assurance Company®, 1701 N Towanda Avenue, PO Box 2000, Bloomington, IL 61702-2000, Telephone 1-800-927-3678.
*Variable Product Service Center: PO Box 9239, Des Moines, IA 50306-9239, Telephone 1-888-349-4658.
Securities products are offered through COUNTRY® Capital Management Company, 1705 N. Towanda Avenue, P.O. Box 2222, Bloomington, IL 61702-2222, tel (866) 551-0060. Member FINRA 
/SIPC.
The investment objectives, risks, charges and expenses of the aforementioned investment options must be considered carefully before investing. The Variable Annuity prospectus contains this and other important information about the investment companies, and it may be obtained by calling 1-866-551-0060. Read the Variable Annuity prospectus carefully before you invest or pay money.
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