You might be surprised to know that penalties may not be as much as you think. If your CD is earning a very low interest rate, you may find an interest charge of only 30, 60 or 90 days apply, which may result in a very small penalty. Run the numbers on our online calculator and see for yourself.

Earnings on an annuity based product is tax deferred until you take the money out.

It’s as simple as a phone call! Our service representatives are standing by to assist you with a customized investment plan. Call toll free today. 844-BUSTCDS (844-287-8237) or contact us by email.

Not FDIC insured. Funds are backed by the financial strength and claims paying ability of chosen insurance company. We work with companies rated A or better with A.M.. Best.

Yes, a fixed rate that is guaranteed for the life of the contract.

You have a variety of choices on how you want your eventual payouts calculated and delivered. Options include lump sum payout, interest only or even structure a monthly payout plan. Each annuity product has an early withdrawal charge. However, a portion of your annuity is available each year without a surrender penalty. If you are under 59 1/2 you may be subject to a 10% tax penalty. Your representative will help you select the best alternative for you.

Fixed annuities are not directly affected by stock market fluctuations. Just like a CD, interest is guaranteed.

Fixed multi-year guaranteed annuities have no administrative fees. When contracts are held to their full policy period no fees are involved. For additional information click this link: http://moneyover55.about.com/od/understandingannuities/a/fixedannuityfee...

You can use an annuity as a funding vehicle for some or all of your IRA. An annuity can be used as an IRA, a 403(b) account or as a separate on-tax qualifies stand alone investment. If you are seeking a guaranteed account, an annuity might be a good option.

Contract surrender charges and in some cases IRS penalties may apply. However, a portion of your annuity value is available to you every year without penalty during the surrender period.

Inheritance on the principal and the interest earned can be passed on to your heirs. You simply name primary and secondary beneficiaries. You may also change the beneficiaries at any time.