Annuities
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Generating Income from your Deferred Annuity. When it comes time to take income from your deferred annuity, you will
have many options available to meet your needs: You can convert your annuity into a stream of income which can then
be paid over a fixed period or for your life time. You can take withdrawals of varying amounts when you need the
income.
You can elect a guaranteed income distribution and still have access to your deferred annuity value if additional
withdrawals are needed. Your agent can guide you through all the issues and income options available, and explain the
features and benefits of each so that you can make the right choice to meet your specific needs and objectives.

Are annuities right for you? For anyone who wants a higher level of financial freedom after retirement or as you get older,
fixed annuities can offer the added security of an additional source of income along with some pretty compelling features
that make them worth serious consideration along side any other retirement plan.

How do annuities work? In general, annuities have two stages: The deferral stage is when you open an annuity with an
insurance company and fund it either with a lump sum or periodic payments called premiums, and that money is allowed
to accumulate over time. Stage two come sat conversion, when the insurance company begins making payments back to
you from the accumulated value of your annuity – often called the annuitization or income stage. This is an overly
simplified explanation, but clearly describes annuities at their most basic level. There are many variations to both stages
that make different types of annuities attractive to different people (including one distinct version called an immediate
annuity), but the fundamentals are the same