Fixed Annuity Information

Annuity Investment Information - New Jersey

We offer innovative fixed annuity investment products that can help you
accumulate savings for retirement or convert your retirement savings
into a series of guaranteed income payments spread out over a
specified period of time. An annuity offers unique benefits such as tax
deferral, flexible payout options, penalty-free withdrawals, and can also
help to dramatically reduce the chances of outliving your savings

Guaranteed Income

An annuity can provide you with a guaranteed lifetime income
regardless of how long you live. Guarantees are limited to the claims-
paying ability of the issuer.

Unlimited Contributions

Unlike other tax-advantaged investments such as IRAs, you can
contribute an unlimited amount of money to an annuity during the
year, whether in periodic installments or a lump sum. Individual
insurance carriers may place a ceiling on the total amount you can
put into an annuity without approval.

Bonus Rates

Some annuities award investors with bonuses at the end of the
annuity's first year such as extra interest that further increases your
investment. Bonus rate products may impose higher fees and
charges and longer surrender periods than contracts that do not
provide the bonus feature.

No-Penalty Rollovers

Company pension or profit-sharing plan payouts may be reinvested
without incurring current taxes or penalties.

Annuity Advantages

Click on one of the annuity

types below to learn more.

Fixed Tax Deferred Annuity

Fixed Immediate (Fixed Payment Annuity)

Equity Indexed Annuity

Princeton Insurance Agency offers experienced annuity investment
services throughout New Jersey, including Fixed Annuity, Equity
Indexed Annuity, Fixed Immediate Annuity, and others.

Click on the link below to fill out a secure contact form for
receiving more information about these fixed annuity investment
products. Or you can speak with our Financial Services specialist
at 609-430-4744 to discuss the features in detail.

Click here to fill out an

Annuity contact form

No probate in case of death, as long as you specify
beneficiaries.

Which means your family will find it easier and less costly to obtain
the value of the annuity.

Shelter Investment Earnings

Retired people can use annuities to shelter investment earnings that
would otherwise lead to taxation of Social Security benefits.

Fixed (Tax Deferred Annuity)

A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a contract between
you and an insurance company for a guaranteed interest bearing policy with guaranteed
income options. The insurance company credits interest, and you don't pay taxes on the
earnings until you make a withdrawal or begin receiving an annuity income. Because fixed
annuities invest your premiums in interest bearing obligations, you receive a lower return in
comparison to equity indexed annuities, since interest rates historically trail stock market
returns.

Tax Deferred Annuity Advantages - Savings

Many people today are using a tax deferred annuity as the foundation of their overall financial
plan. The most important difference between an annuity and CD's is that annuities allow for
the deferral of the taxes due on the interest earned until the interest is withdrawn. By
postponing the taxes your money compounds faster because you can earn interest on
dollars that would have otherwise been paid to the IRS. Later, you can decide to take a
monthly income and your taxes will be less because they were spread out over a period of
years. An annuity has a penalty for early surrender but most annuity contracts have a limited
withdrawal provision that permits the contract owner to withdraw a certain percentage each
year without a surrender charge.

Tax Deferred Annuity Advantages - Taxes

You pay no taxes while your money is compounding. You can also pay a lower tax on
random withdrawals because you control the tax year in which the withdrawals are made
and only pay taxes on the interest withdrawn.

Click on the link below to fill out a secure contact form for receiving more information about
Tax Deferred Fixed Annuities. Or you can speak with our Financial Services specialist at
609-430-4744 to discuss the features in detail.

Click here to fill out an

Annuity contact form

Fixed (Immediate Annuity)

A fixed immediate annuity, also referred to as a fixed payment annuity, provides you with a
stream of income payments from your original purchase payment. The amount of your
income payouts is determined by the guaranteed interest rate and the payout option you
select. A fixed immediate annuity can begin benefit payments as early as one month and no
later than 13 months from the date of purchase and is intended for investors who need a
guaranteed income stream to begin soon.

Click on the link below to fill out a secure contact form for receiving more information about
Immediate Fixed Annuities. Or speak with our Financial Services specialist at 609-430-4744 to
discuss the features in detail.

Click here to fill out an

Annuity contact form

Equity Indexed Annuity

An equity indexed annuity offers you a guaranteed minimum return with the potential to earn
additional interest based on the performance of a securities market index. Equity indexed
annuity returns are tied to indexes of market activity and not to the performance of individual
stocks or funds.

The equity indexed annuities we offer are tied to the following: S&P 500*, Dow Jones Index
Acct.*, S&P MidCap 400*, NASDAQ*, and the Russell 2000*.

A equity indexed annuity will guarantee you a minimum interest rate (often about 3% on
90% of your investment) while offering the potential of higher rates by tying your return to a
portion of the return of an index, such as the ones mentioned above.

While similar to investing in the stock market, you won't take part "dollar for dollar" in a
rising stock market. You are offered a percentage of how much the index gains over a
period of time (not including dividends, which accounted for about 30% of the total return of
the S&P 500 for the last 20 years) and a guaranteed minimum return if the stock market
declines.

Click on the link below to fill out a secure contact form for receiving more information about
Equity Indexed Annuities. Or speak with our Financial Services specialist at 609-430-4744 to
discuss the features in detail.

Click here to fill out an

Annuity contact form

**The information, pictures, and other content in this website about particular insurance services or
financial services is only provided for informational purposes. Any decisions regarding your insurance
and financial needs should be discussed with a licensed insurance agent or financial professional.

Investing in stocks, bonds, mutual funds and variable annuities does not guarantee
a profit. All of these investments can lose money. Stocks, bonds, mutual funds and
variable annuities are not FDIC insured.

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We are your local central New Jersey insurance agency, offering fixed annuity services in the following
cities and counties: Skillman, Princeton, Trenton, Slackwoods, Ewingville, Bakersville, Lawrenceville,
Stoutsburg, Glenmoore, Mount Rose, Centerville, Rileyville, Mercerville, Hamilton Square, Yardville,
White Horse, Groveville, Bordentown, Washington Crossing, Marshalls Corner, East Windsor, South
Brunswick, Plainsboro, Linvale, Harbourton, Mount Airy, Blawenburg, Deans, Kendall Park, Harlingen,
Dutchtown, Pleasantview, Plainville, Hillsborough, Belle Mead, Flagtown, Franklin Park, Woods
Tavern, Three Bridges, Neshanic, Griggstown, Bridgewater, Finderne, Edison, Middlebush, Millstone,
Kingston, Rocky Hill, Zion, Reaville, Cloverhill, Stockton, Flemington, Sand Brook, Croton, Somerset,
Piscataway, Manville, Somerville, Byram, Middlesex, Washington, New Sharon, Chesterfield,
Hamilton, Georgetown, Allentown, Fieldsboro, Hedding, Roebling, Columbus, Jacksonville, Chambers
Corner, Wrightstown, Mount Holly, Monmouth, North Brunswick, Stanton Station, Willingboro, Cherry
Hill, Princeton Junction, Cranbury, Etra, Robbinsville, Winsor, Edinburg, Dutch Neck, Flemington,
Mercer County, Somerset County, Middlesex County, Camden County, Hunterdon County, Morris
County, Burlington County, Ocean County, and Monmouth County, NJ. We also offer fixed annuity
services throughout New Jersey, including the Atlantic City, outer Philadelphia, Camden, and Newark
areas.

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