Variable Annuities
Variable annuities are often used both as savings and retirement vehicles. The reasons for their popularity include the fact that their earnings grow on a tax-deferred basis, they offer a guaranteed death benefit, they benefit from professional management, and they have the added potential for income during retirement years. The variable annuities offered through Royal Alliance are designed to meet a variety of financial objectives. They include variable annuities that invest in a choice of securities portfolios, including money market instruments, stocks, high-grade bonds, government securities, convertible securities, high-yield bonds, and foreign securities.
Variable Annuity Providers |
SunAmerica Life Insurance
First SunAmerica Life Insurance
Allianz Life Insurance
Ameritas Variable Life Insurance
American Skandia Life Assurance
Hartford Life Assurance
Keyport Benefit Life
GE Life and Annutiy Assurance
The Manufacturers Life Insurance
Nationwide Life and Annutiy Insurance
Pacific Life Insurance
Phoenix Home Life Insurance |
Preferred Life Insurance
The Travelers Life & Annuity Company
Security Benefit Life Insurance
Aetna Life Insurance and Annuity Co.
Fortis Benefits Insurance Company
The Guardian Insurance & Annuity Co.
Lincoln National Life Insurance Co.
Massachusetts Mutual Life Insurance
Northern Life Insurance
Reliastar Life Insurance
Sun Life of Canada
Western Reserve Life Assurance Co |
SEC RULE 134- SPECIFIC INVESTMENT COMPANY SECURITIES (MUTUAL FUNDS, VARIABLE ANNUITIES) PROSPECTUS OFFERING: FOR MORE COMPLETE INFORMATION, INCLUDING CHARGES AND EXPENSES, ON THE VARIABLE ANNUITIES OFFERED BY THE INVESTMENT/INSURANCE COMPANIES, ("THE COMPANIES") REFERENCED ON THIS SITE, PLEASE REFER TO THE PROSPECTUS (ES) AVAILABLE AT THE COMPANIES SITES, OR PLEASE REQUEST A PROSPECTUS FROM THE COMPANIES DIRECTLY. PLEASE BE SURE TO READ IT CAREFULLY BEFORE YOU INVEST. |
Variable Life Insurance |
Many life insurance-based products are recognized as savings and investment alternatives for people in all stages of life. In addition to their competitive returns, tax deferral on cash-value earnings, and tax-free death benefit, many life insurance-based products can also be used to satisfy educational and retirement planning needs.
A Royal Alliance financial adviser can help find the right insurance-based products to complement any financial plan. Royal Alliance offers a complete spectrum of life insurance based products, as well as access to universal life, term life, and long-term care insurance to your financial adviser as a separately licensed independent insurance agent |
AIG Life Insurance Company Allianz Life Insurance Company
Allmerica Financial Life Insurance & Annuity Co.
American General Life Companies
Ameritas Variable Life Insurance
Fortis Benefits Insurance Co.
Hartford Life Insurance Co.
The Manufacturers Life Insurance Co. |
Nationwide Financial Services
Pacific Life Insurance Company
Penn Mutual Life Insurance Co.
Phoenix Home Life Mutual Insurance Co.
Provident Mutual Life Insurance Co.
Reliastar Life Insurance Co.
The Travelers Life & Annuity |
*Available in fee-based brokerage accounts only. |
*Annuities are a long-term investment option since they are subject to a 10% IRS penalty for withdrawals prior to 591/2 and a contingent deferred sales charge for the first 7 to 8 years of the contract. They also involve mortality and insurance expenses. Variable annuities principal and interest of variable account portfolios fluctuates with market conditions. Variable Life offers account values which can increase or decrease depending on the performance of the underlying investment portfolio selected by the investor. Accessing cash value of your variable life policy may result in surrender fees and charges and it may reduce death benefit.
|