Do you want an investment that offers guaranteed returns without the risk of losing money in the stock market?

Are you looking for a stable and predictable income stream to secure your financial future?

Are you seeking a tax-deferred option to grow your savings more efficiently over time?

If you answered "Yes" to any of these questions, this might be the solution you're looking for. Click "Learn More" below to schedule a call.

There is no cost to you!

Just to give you a heads up, our partners may pay us a commission on certain products or services that’ll help you in retirement. But don't worry, it won't impact your wallet!

Interest rates are the guaranteed returns on your investment for a set period of time. This solution will pay you 4.50% every year for the next 7-years.

While all solutions we offer provide a free withdrawal amount, it's important to understand that during the 7-year contract withdrawals in excess of the Free Withdrawal Amount may incur surrender charges. These charges can offset your interest earnings, making it crucial to plan withdrawals carefully to preserve your investment's value.

The early withdrawal charges for this solution is as follows...

Year 1: 7.00%

Year 2: 7.00%

Year 3: 7.00%

Year 4: 6.00%

Year 5: 5.00%

Year 6: 4.00%

Year 7: 3.00%

Year 8+: 0.00%

About Brighthouse Financial

Financial ratings are a key indicator of a company's financial strength and stability. It reflects the carrier's ability to meet its future obligations, including making guaranteed payments to policyholders. A higher rating suggests the company is financially sound and reliable, providing confidence to clients that their investments are secure. This company's financial rating are...

AM Best: A

Fitch: A

Moody's: A3

Standard & Poors: A+

During the Surrender Schedule you can access up to 10% of your money every year without penalty.

If you need more than 10% in a given year you will have to pay the insurance company a surrender charge on the amount withdrawn over and above 10%.

After the Surrender Schedule ends you can access all of your money without penalty.

Yes!

Tax deferral allows you to postpone paying taxes on your investment gains until you withdraw the funds.

This means your investment can grow faster, as the earnings compound without being reduced by annual taxes. The benefit is a potentially larger retirement fund, as you may be in a lower tax bracket when you start taking withdrawals.

Minimum Deposit: $25,000

While $25,000 may sound like a lot, often our clients use money from their IRA, 401(k), or other existing retirement accounts.

Please notes deposits less than $100,000 may result in a lower interest rate than quoted above. Click Learn More to schedule a call.

Maximum Deposit: $1,000,000

For deposits greater than $1,000,000 click the "Learn More" to schedule a call to discuss options.

This solution may be suitable for anyone age 50-85.

To maximize the benefits of your annuity, it's crucial to understand the withdrawal rules, including the IRS 59.5 rule, which lets you withdraw funds without penalties after age 59.5. Withdrawals before this age can incur a 10% penalty along with possible surrender charges. Being aware of these guidelines helps you avoid extra costs and secure a better retirement strategy.

Typically, most Multi-Year Guaranteed Annuities do not accept additional deposits after your initial investment.

We do offer solutions for clients that need to make on-going deposits. If this is you, click "Learn More" to schedule a call with one of our Retirement Specialists.

1.75%

At the end of the 7-year surrender schedule your annual interest rate can change, but can never be less than the Guaranteed Minimum Interest Rate.

Rate Availability and Guarantees:

Guaranteed Interest Rates: The interest rates displayed above are guaranteed only for new contracts issued on the effective date specified. These rates are subject to change at any time and may vary based on the specific terms of the annuity contract. Once the contract is issued, the guaranteed interest rate will not change for the duration of the selected term.

Rate Reduction: The interest rate may be reduced for deposits less than $100,000. Please refer to the product details or contact a licensed representative to understand how different deposit amounts affect the rate.

Early Withdrawal Penalties:

Surrender Charges: Withdrawals made prior to the end of the annuity term may be subject to surrender charges. The surrender charge schedule varies depending on the specific annuity product and term selected. These charges are detailed in the annuity contract and can significantly reduce the value of your annuity.

IRS Penalty: If you withdraw funds before age 59½, you may be subject to a 10% federal income tax penalty in addition to ordinary income taxes on the amount withdrawn. This penalty is imposed by the IRS and is independent of the surrender charges imposed by the insurance company.

Tax Treatment:

Tax-Deferred Growth: The earnings on your annuity grow tax-deferred until withdrawn. Upon withdrawal, earnings are taxed as ordinary income. Tax-deferred growth is not the same as tax-free growth; taxes will be due when the money is withdrawn.

Consultation with Tax Advisor: You should consult with a tax advisor regarding the tax implications of any annuity purchase, especially if you plan to use the annuity in a tax-qualified account (e.g., IRA, 401(k)).

Financial Ratings and Stability:

Issuer Financial Strength: The annuities offered are backed by the financial strength and claims-paying ability of the issuing insurance company. Independent rating agencies provide ratings to reflect the insurer’s ability to meet its obligations. Please review these ratings or contact us for more information.

No FDIC or NCUA Insurance: Annuities are insurance products and are not insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), or any other federal or state insurance program.

Suitability and Product Understanding:

Investment Purpose: Annuities are designed as long-term investments intended for retirement purposes. They may not be suitable for all investors, particularly those who anticipate needing access to their funds within a short time frame.

Review of Terms: It is important to carefully review the terms and conditions of the annuity contract, including any restrictions, fees, and charges that may apply. You should ensure that you fully understand the product features and risks before making a decision.

State Variations: Annuity products and features may vary by state. Specific terms and conditions applicable to your state will be provided in the annuity contract.

Access to Funds:

Penalty-Free Withdrawals: Some annuity contracts may allow for penalty-free withdrawals under certain circumstances, such as for terminal illness, disability, or nursing home confinement. These provisions vary by product and state, and detailed terms can be found in your annuity contract.

Withdrawal Limits: Even if penalty-free withdrawals are permitted, there may be limits on the amount that can be withdrawn annually without incurring surrender charges.

Guaranteed Minimum Interest Rate:

Floor Rate: Some annuities may offer a guaranteed minimum interest rate that will apply if the credited interest rate falls below a certain level. This rate is detailed in your annuity contract and ensures a baseline return even in adverse market conditions.

Regulatory Compliance:

Insurance Product Disclosure: Annuities are regulated as insurance products and are subject to state insurance laws. They are not bank products, and purchasing an annuity does not involve FDIC insurance, and the value of the annuity is not guaranteed by any government entity.

FINRA and State Insurance Department: The sale and marketing of annuities are subject to oversight by FINRA (for registered representatives) and state insurance departments. This ensures that the products are sold in a manner consistent with the regulatory standards governing the financial services industry.

Contact and Additional Information:

Customer Inquiries: For additional information or to request a prospectus, please contact [Company Name] at [Phone Number] or visit our website at [Website URL]. You can also speak with one of our licensed insurance professionals to discuss how these products may align with your financial goals.

Important Information: This information is not intended to constitute legal or tax advice. Please consult with your own legal, tax, or financial advisors before making any decisions based on this content.