What exactly is an Annuity?

An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.

Myths Vs Fact


Our modern take on life insurance is based on comparison research of companies that set the industries standards and deliver on their promises. We’re proud to introduce National Life Group (NLG). For more than 169 years, NLG has had a track record of standing out from the Fortune 500 companies within the industry. NLG has developed “FIT Choice” which sets a standard for “Financially Independent for Tomorrow”.


Build you Future
Is an Annuity Right for You?

Annuities are NOT a good fit for everyone. Annuities are designed for people looking for guaranteed, monthly income when they retire – they are NOT a high-risk / high-return investment. They are considered to be in the mainstream of conservative retirement planning – over $225 billion in annuities have been purchased in the past 12 months alone!

FIT Choice Financially Independent for Tomorrow


  • Turn your retirement plan into a guaranteed income for life!

INSTILL – good habits

  • You insure everything that’s significant in your life; why not protect yourself with life insurance


  • An indexed annuity can help you build, grow and protect your retirement savings

Fixed Indexed Annuity

  • Never lose a penny due to a market downturn .Premiums paid and interest credited are not subject to market risk.
FIT Choice Plus Can Help You:
  • Build your retirement savings with a Fixed Indexed Annuity that offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity to help realize a Financially Independent Tomorrow.
  • Choice – Choose from two Guaranteed Lifetime Income Riders to help turn your retirement savings into guaranteed income for life!
  • Flexibility – You have control of your money. Choose how to allocate your values between multiple crediting options.

Did you know?

  • 5 out of 10 people prioritize having a guaranteed income in retirement according to TIAA 2016 Lifetime Income Survey
Fixed Indexed Annuities Can Provide:
  • Tax Deferral
  • Guaranteed Accumulation Value
  • Guaranteed safety of principal
  • Potential for higher interest crediting than traditional fixed annuities
  • Lifetime Income through the Guaranteed Lifetime Income Rider
  • Death Benefit Protection
What is a Fixed Indexed Annuity (FIA)?
  • A fixed indexed annuity uses a formula to calculate interest that considers performance of an underlying index like the S&P 500 or the Russell 2000, without actual participation in the stock market.
  • Guaranteed 0% interest crediting floor in the event of a decline in the index.


  • Interest crediting based in part on the changes of a major market index.
Retirement in America!
Stress about Saving
  • 78% of Americans are stressed about saving for retirement
  • Most Americans will spend 20+ years in retirement

What choices do you have?

FIT Choice provides safety from market risk while allowing you to choose between two Guaranteed Lifetime Income Riders (GLIR) The Max Bonus GLIR focuses on maximizing retirement income and the Split Bonus GLIR has a focus on the accumulation value.

Did you know?

  • 1 in 4 Americans fear they will outlive their income
  • It’s because we are living longer than ever!

How Does Interest Crediting Work? Let’s keep it simple

Step 1: You pay a premium to the insurance company

Step 2: You Single Premium Deferred Annuity is issued.

Step 3: Your premium dollars then go into the interest strategy of your choice

Step 4: After one year, we calculate the change in your chosen strategies.

Step 5: If the change is positive, your policy is credited interest after applying any caps and participation rates. If the change is negative, your policy is credited 0%.

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