Advanced Markets Annuities

Through Creative Financial Services, you can explore a broad spectrum of annuity types, each designed to address specific financial objectives:

• Fixed Annuities: Offer your clients the comfort of stability with a fixed interest rate that is guaranteed never to fall below a stated minimum for a specified period. These often feature competitive interest rates, typically higher than those found in CDs or money market accounts, making them an attractive option for conservative growth and capital preservation.
• Indexed Annuities (Fixed Indexed Annuities – FIAs): Provide a unique balance of growth potential and principal protection. Interest credits are linked to the performance of a standard market index (like the S&P 500®), allowing participation in market upsides. Crucially, if the market index declines, your client’s principal and previously credited interest are typically protected from market loss.
• Multi-Year Guarantee Annuities (MYGAs): These offer a predetermined, guaranteed interest rate for a set number of years (e.g., 3, 5, or 7). They are straightforward and offer predictable, tax-deferred growth, appealing to clients seeking clear terms and reliable returns over a defined horizon.
• Single-Premium Immediate Annuities (SPIAs): Designed for clients who need income now or soon. A lump-sum premium is converted into a stream of guaranteed income payments that can start within 12 months of the issue date and last for a specific period of the client’s lifetime.
• Structured Settlements: Specialized annuities often provide a secure, periodic payment stream as part of legal settlements, ensuring long-term financial support for recipients.
• Terminal Funding Annuities: Typically used in pension plan terminations or de-risking strategies to provide a group of retirees with a guaranteed income stream, fulfilling an employer’s pension obligations.

Unparalleled Support & Advanced Tools for Your Annuity Practice

Beyond our extensive product selection, Creative Financial Services ensures you have access to exceptional support services. This is backed by the rich expertise of CPS, a recognized leader in providing services tailored to the specific needs of the annuities market. Their commitment to personalized service, strong industry relationships, and continuous technological advancements translates into quick and easy access to the annuity-related solutions and information you require.

We provide insurance professionals with access to an advanced tool to streamline their workflow further. This powerful resource, with SPIA quoting tools powered by Annuity Rate Watch, offers:

• Extensive, up-to-date product information
• Current rates from a multitude of carriers
• The ability to run detailed illustrations
• Efficient SPIA quoting capabilities

This platform saves you time, enhances your research capabilities, and helps you present compelling solutions to your clients.

Spotlight on Key Annuity Solutions You Can Access:

To help you navigate the options, here are some key areas you can explore through Creative Financial Services and the CPS platform:

• • Fixed Rate Annuities: Discover “Hot Fixed Annuities” featuring particularly competitive current rates.
  • Access comprehensive “Portfolio Annuity Rates” for a broad comparison.
  • Review “Multi-Year Guarantee (MYG) Annuity Rates” for specific term options.
  • Index Annuities: Explore “Hot Index Annuities” with attractive cap rates, participation rates, or other features.
  • View “Index Annuities – All Products” for a complete listing of available FIAs.
  • Immediate Annuities (SPIAs): Understand “SPIA Options Explained,” detailing various payout structures (e.g., lifetime, period certain).
  • Learn about specialized underwriting for “Health Rated SPIA / Impaired Risk SPIA,” which can offer higher payout rates for clients with certain health conditions.

Partner with Creative Financial Services for Annuity Excellence

At Creative Financial Services, we are dedicated to being your premier partner in the annuity marketplace. By combining a vast and meticulously curated product portfolio with robust support services and cutting-edge technology, we empower you to meet your clients’ diverse and evolving income and accumulation needs with confidence and precision.

Please get in touch with your Creative Financial Services representative today to learn more about our annuity offerings, access our advanced tools, or discuss a specific client case. Let us help you unlock the full potential of annuities for your clients and your practice.