A Well-feathered Nest Prepares You To Fly

By planning smarter and starting sooner, you’ll give your retirement product more time to work harder. Nurture your nest eggs with a Roth Annuity, which pair the power of tax-free accumulation of your earnings with the option for a guaranteed lifetime income. Thus, someday when you’re ready for your second or third act to begin, your financial goals can be ready, too. What’s more, through your purchase you help your community reach goals because 1891 Financial Life devotes a portion to fund vital social, educational, and volunteer programs right in your own backyard.

Product Specs

Check out a brief overview of our Retirement Protection products.
  • Available for ages 0 – 85
  • Choose from a flexible- or single-premium premium deferred annuity1
  • 3-Year Certificate
    • $300 minimum initial deposit, $50 minimum / $250,000 maximum annual additional contributions, $4,000,000 lifetime contributions
    • Withdraw up to 10% of your account after the first certificate year without incurring a withdrawal charge; additional withdrawals are subject to charges, but will be waived to pay for your nursing home expenses or if you become permanently disabled3,4
  • 7-Year or 10-Year Certificate
    • $1,000 minimum initial deposit, $100 minimum / $250,000 maximum annual additional contributions, $4,000,000 lifetime contributions
    • Withdraw up to 10% of your account in a certificate year without incurring a withdrawal charge; additional withdrawals are subject to charges, but will be waived to pay for your nursing home expenses or if you become permanently disabled3,4
  • Guaranteed minimum interest rate2
  • Competitive interest rate
  • Tax-deferred growth on earned interest3
  • Interest earnings are taxable only upon withdrawal or when monthly payments begin3, 4
  • Funds are available to you at any time3,4
  • Favorable distributions: tax-advantaged treatment can continue even while receiving regular annuity payments; regular payments may qualify for an exclusion ratio3,4
  • Portfolio of high-quality investments

 

DISCLOSURES

Subject to change. Product/features may not be available in all states.
13-Year 23FPDA Plan Series. 7 or 10-Year 20FPDA Plan Series.
21st year guaranteed interest rate; renewal rate based on market conditions; minimum guaranteed interest rate 3.0% after year 1 effective 12-15-22.
3Consult your tax advisor regarding your individual situation.
41891 Financial Life may apply a small surrender charge on withdrawals, see certificate for details. The IRS may impose a fee on withdrawals made prior to age 59 ½.