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What is an Annuity? With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can guarantee income for your retirement. Why is an Annuity so important? Retirement planning can be a difficult and confusing task. With the uncertainty of Government Social Security, taxes, Medicaid, estate planning, and a variety of other factors, your financial future is constantly in a state of flux with uncertainty of what may happen next. If you don’t choose the correct vehicle or investment for your retirement income, you may be forced to accept a lower standard of living, or even worse, run out of money. The only thing worse than dying is outliving your retirement income. Retirement is for you. This is the time in your life that you should relax and receive all of the benefits of a lifetime of hard work. Don’t spend it on a modest income or, even worse, burdening your family financially. With an annuity, you can guarantee income for the rest of your life, so you can enjoy your retirement years without worrying about finances. If you’re planning for retirement, or just curious about how your financial future may look, by filling out the form to your right you can start to plan your retirement future. Prosurity has a team of trained and highly-qualified annuity specialists that will work with you to develop a plan that fits your budget and income needs. 
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Can I receive a guaranteed income for life with an Annuity?
Your annuity can be structured to pay out as a lump sum, for a fixed period of years, or even for the rest of your life, giving you income that you can’t outlive.
I have heard that the rate of return for Annuities is not competitive with the market. Is this true?
Annuities have a competitive rate of return. Most annuities return at a rate equal to or greater than Certificates of Deposit (CDs).
I don’t want to lose all of my retirement income. Annuities are an investment so does this mean that I could possibly lose all of my money?
You have zero risk. With a guaranteed minimum rate of return of 3% to 4%, you’re guaranteed to turn a profit no matter what.
I am sick and tired of paying so many taxes. Am I going to get taxed on any interest I earn like CDs or other market investments like stocks and mutual funds?
Contributions to your annuity are not taxed until you withdraw.
As I get older health and health care costs are becoming more of a concern. Does setting up an annuity mean I will not qualify for government health care programs?
Your annuity can be structured to shelter assets, allowing you to qualify for Medicaid more easily without sacrificing quality of life.
I want to be able to leave my money to whom I feel appropriate and I heard CDs can get caught up in probate. Can annuities get caught in probate as well?
By naming a beneficiary, your annuity can bypass the lengthy and potentially expensive probate process.
If I want money for living expenses or just to go on a trip, annuities don’t allow this do they?
You can withdraw money from your annuity when you need it, subject to certain limitations.
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