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Annuity Investment Information - Wisconsin
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We offer innovative fixed annuity products and equity
index annuity products. An annuity offers unique benefits such as tax deferral, flexible payout options and can also help to dramatically reduce the chances of outliving your savings |
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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. |
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Annuity Advantages
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Click on one of the annuity
types below to learn more.
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Radtke-Rhone Insurance Agency offers experienced annuity services
throughout Wisconsin, including Fixed Annuity, Equity Indexed Annuity, Fixed Immediate Annuity, and others. |
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Click on the link below to fill out a contact form for receiving more
information about these fixed annuity products. Or you can speak with our Financial Services specialist at (920) 982-3048 to discuss the features in detail. |
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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. |
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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. |
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Tax Deferred Annuity Advantages - Savings
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Many people today are using a tax deferred annuity as the foundation of their
overall financial plan. 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. |
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Tax Deferred Annuity Advantages - Taxes
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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. |
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Click on the link below to fill out a contact form for receiving more information
about Tax Deferred Fixed Annuities. Or you can speak with our Financial Services specialist at (920) 982-3048 to discuss the features in detail. |
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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. |
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Click on the link below to fill out a contact form for receiving more information
about Immediate Fixed Annuities. Or you can speak with our Financial Services specialist at (920) 982-3048 to discuss the features in detail. |
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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. |
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The equity indexed annuities we offer are tied to the following indexes: S&P 500*,
Dow Jones Index Acct.*, S&P MidCap 400*, NASDAQ*, and the Russell 2000*. |
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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.
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. |
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Click on the link below to fill out a contact form for receiving more information
about Equity Indexed Annuities. Or you can speak with our Financial Services specialist at (920) 982-3048 to discuss the features in detail. |
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**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. |
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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. |
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At withdrawal Annuity holders pay a tax on the growth portion of the
annuity on last in first out accounting basis. If you are under 591/2 and need to pull your contributions out, the IRS will get 10% and, the contract writer will ask for a "surrender charge" between 5 and 10%. Better writers have declining surrender fees at lower percents, and allowances for 5-15% emergency withdrawals without penalties. You cannot borrow against your contributions, but Uncle Sam will let you transfer the funds to another insurance company without penalty (let your accountant handle this, if the check comes to you first you could be in trouble). |
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Withdrawal & Early Withdrawal
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Personal Insurance
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Answer a few questions and
we will provide you with a quote by email or phone. Choose the Wisconsin insurance coverage you're interested in from the menu above. |
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Radtke-Rhone
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Insurance Agency, Inc.
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Home - Auto - Health - Business
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Annuities
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Radtke-Rhone
Insurance Agency, Inc.
P.O. Box 210
315 River Place
New London, WI 54961
Waupaca County, Wisconsin
(920) 982-3048
Toll Free: (800) 371-3048
Fax: (920) 982-2584
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Toll Free
(800) 371-3048
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Life & Health Insurance
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Radtke-Rhone Insurance Agency, Inc.
Copyright 2006-2008 All rights reserved
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Site Built & Maintained by InsuranceWebsiteServices.com
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We are a local Waupaca and Outagamie County insurance agency, offering fixed
annuities to residents of the following cities and counties: New London, Appleton, Waupaca, Northport, Weyauwega, Shiocton, Manawa, Bear Creek, Hortonville, Fremont, Medina, Mackville, Greenville, Larsen, Winchester, Zittau, Neenah, Menasha, Kimberly, Holland, Kaukauna, Wrightstown, Little Chute, Freedom, Black Creek, Oneida, Howard, Allouez, Ashwaubenon, De Pere, Bellevue, Anston, Flintville, Pulaski, Suamico, Sobieski, Angelica, Zachow, Sampson, Shawano, Bonduel, Krakow, Seymour, Nichols, Navarino, Belle Plaine, Embarrass, Pella, Caroline, Leopolis, Marion, Clintonville, Split Rock, Thornton, Tigerton, Big Falls, Symco, Royalton, Ogdensburg, King, Scandinavia, Iola, Amherst, Tustin, West Bloomfield, Pine River, Berlin, Plover, Stevens Point, Winnebago, Oshkosh, Winneconne, Borth, Omro, Sheboygan, Manitowoc, Fond du Lac, Wausau, Shawano County, Brown County, Winnebago County, Calumet County, and Waushara County, WI. We also offer annuity services throughout the state of Wisconsin, including the Green Bay, and Milwaukee areas. |