Short & Long Term Annuities

TRS works with a variety of carriers to offer the most competitive annuity rates for our clients.  For those with a short-term time horizon, we have access to the top short term products (1, 2 and 3 year periods).  We offer annuities from highly rated companies to provide reliable returns.

Equity-Indexed Annuities

Equity-indexed (also known as fixed indexed) annuities offer the potential for higher returns coupled with protection of principal.  This type of annuity offers the potential for double digit interest rates with no exposure to downside market risk.

The yearly interest rate used to calculate returns will vary depending on the performance of the chosen index crediting method.  Additionally, some carriers offer premium bonuses, which add immediate value to deposits.  Bonuses vary depending on the carrier and the length of the annuity, but many offer 10% or more.

With a bonus added to the premium, these annuities can offer a first year return as high as 13% or better if a fixed interest sub account is chosen. During bull markets, these annuities may perform even better.  However, the best feature of these indexed annuities is that the investor can rest assured that their principal and accumulated interest is protected on the downside!

Bonus Annuity First Year Interest Example = 13.30%:

• $100,000 premium deposit, plus a 10% bonus = $110,000
• $110,000 credited 3.00% interest in a fixed interest sub-account = $113,300

This assumes the fixed sub-account was chosen as the interest option.  There are other options that can offer a higher or lower rate of return each year.  This is only one example and is based on current interest rates, which are subject to change.