Tax-deferred Annuities can help provide lifelong retirement income to realize the future you deserve.
- Fast Facts
- Enjoy tax-deferred savings
- Terms + options are flexible
- Funds are professionally managed
Social Security, pensions, and 401(k)s can help with your future financial security, but they may not be enough to secure your retirement dreams. An Annuity can help you save more with tax-deferred growth and provide the supplemental funds you’ll need.
Annuities are an investment option that can generate income for the rest of your life. A Fixed Annuity may be right for people who prefer a less risky approach to investing and look for a more stable rate of return. For a more aggressive investor, Variable Annuities offer increased potential to earn more depending on the chosen investments.
If you’re close to retirement or want to start receiving payouts right away, Webster’s Income Annuity can offer lifetime income and the choice of a Fixed or Variable investment plan.
Annuities Can Offer You
- Tax-deferred growth
- Flexible payout options and start dates
- An immediate, guaranteed stream of income for life
- Fixed or Variable investment alternatives
Offering a guaranteed rate of return for a set period of time, Fixed Annuities can be a safe and steady way to grow your nest egg. With a Fixed Annuity, you’ll be able to accumulate earnings tax-deferred, tailor payout options to fit your needs, and protect your investment from falling interest rates.
These plans also offer:
- A steady retirement income stream
- Competitive interest rates
- A guaranteed principal balance
Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply.
With a Variable Annuity, you have the powerful combination of tax-deferred accumulation and the potential to increase your retirement assets through underlying investments. There are no guaranteed returns on a Variable Annuity, as your funds are tied to the performance of your investments.
These plans also offer:
- The option to fund the annuity with a lump-sum investment or over time
- The potential for an income stream that may keep pace with inflation
- Investment choices to fit your risk tolerance and expectations
Variable annuities are long term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.
An Income or Immediate Annuity can provide additional security—and guaranteed lifetime income—that you can start receiving as soon as you invest. You’ll have the flexibility to be more aggressive with other investments plans knowing you’ll have a steady stream of income throughout your entire life.
With an Income Annuity, you can choose a Fixed or Variable investment plan. Depending on which investment you select, your stream of payments will either remain the same or vary depending on the performance of your investments.
Keep in Mind
- Withdrawals made prior to age 59 1/2 may result in an IRS penalty
- Guarantees are based on the claims-paying ability of the issuer
- Withdrawals of taxable amounts will be subject to income tax and surrender charges may also apply
Need personalized investment advice? Have a Financial Consultant contact me.
To learn more about our Annuities, please call us at 1-888-493-2783, option 4 or visit a Webster branch near you.
Annuities are suitable for long-term investing, such as retirement investing. Withdrawals prior to age 59 may be subject to tax penalties and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Fixed income securities are subject to market and interest rate risk if sold prior to maturity. Investing in mutual funds involves risk, including possible loss of principal.
Securities and Insurance Products:
|Not FDIC Insured||Not Bank Guaranteed||May Lose Value|
|Not a Bank Deposit||Not Insured by any Federal Government Agency|
Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Webster Bank, N.A. and Webster Investments are not registered broker/dealers and are not affiliated with LPL Financial.
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