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Annuity Information

The National Association of Insurance Commissioners (NAIC) defines an annuity as follows: �An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid�. I have added the emphasis on the word contract to point out the promise made in an annuity. It is the only generally available financial instrument that can promise you a stream of income you cannot out live. That is why annuities often form the strength and structure of retirement plans. With responsibility shifting more to the individual, in providing their own retirement security, annuities are the perfect retirement plan foundation. Selected wisely and used correctly they are a personal retirement plan that will serve you well in retirement, and your family beyond.

On SF Bay will help you establish a plan that is right for you.

Want to know more about the mechanics of annuities? Call us at (888) 667-3229 or email us at or complete the brief introduction form. We will be happy to respond to your question and present you with a copy of the Buyer's Guide To Fixed Deferred Annuities with Appendix For Equity-Indexed Annuities. This booklet prepared by the NAIC will give you an understanding of annuities and what the terminology means.