Fixed annuities are a popular choice for clients who want a guaranteed interest rate and tax deferral. With a fixed annuity, the principal investment and a specified interest rate are both guaranteed.
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Deferred fixed annuities
Registered Market Value Adjusted (MVA) annuities
Many fixed indexed annuities with a market value adjustment feature allow your client the flexibility to customize their investment by splitting it among several guarantee periods that offer different interest rates. Typically, the longer the period, the higher the interest rate.
Nationwide Platinum Edge, Nationwide Platinum V, Nationwide Quatro Select Annuity and Nationwide Secure Growth are service marks of Nationwide Mutual Insurance Company.
Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals.
Fixed annuities may be appropriate for individuals who want guaranteed interest rates and the potential for lifetime income. Guarantees are subject to the claims-paying ability of the issuing insurance company. If you take withdrawals before you're age 59½, you may have to pay a 10% early withdrawal federal tax penalty in addition to ordinary income taxes. Withdrawals may trigger early surrender charges as well as reduce your death benefit and contract value.