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A variable annuity starts with an accumulation phase where you make purchase payments. You can allocate your funds to different investments. For example you could designate 10% to a US stock fund, 60% to a bond fund, and 30% to an international stock fund. The money has potential to increase or it may decrease depending on the performance. 

At the beginning of the payout phase you receive your purchase payments plus possible income and gains as a lump-sum payment or intervolved payments. For a stream of payments you can choose how long the payments last and how much you want to take out. 

The death benefit allows you to select a beneficiary with the options of all the money in your account or a guaranteed minimum.

For more information click this link: Variable Annuities

607 Northwest 5th Street Grand Rapids, MN 55744
218-326-0563 -

Located in Grand Rapids Minnesota, situated in the middle of Minnesota's lakes and forests. In addition to personal insurance coverages which include life, auto, home, and recreational vehicle coverages, we also specialize in coverage for the timber industry.