Insurance Annuities - Siebert Financial

Tax Benefits

Any growth within your annuity is tax-deferred until you withdraw it - similar to any retirement account. Annuity payments from a tax-qualified plan will be fully taxable as ordinary income. Withdrawals made prior to age 59 1/2 may be subject to an additional 10% IRS tax penalty.

Market Fluctuation

Annuities can offer several different levels that provide protection during market downturns, and may, for an additional cost, include growth, principal protection, or a stream of income for life.

Steady Income

Annuity payments include interest and a portion of your principal contribution, and may even continue after you’ve recouped your principal, giving you higher payouts than comparable investments that provide income.

Beneficiaries Save Time

An annuity can pay money directly to your beneficiaries when you die, helping them avoid a lengthy probate process.

deferred fixed annuities

Fixed rate of interest over a fixed period of time.

Fixed annuities offer guaranteed interest earnings while growing the account value. Many different distribution options are available.

You receive a fixed rate of interest over a fixed period of time.

Distribution options during the fixed term and when the fixed term ends, including lump sum, penalty free partial withdrawals and income for life payments.

Tax-deferred growth potential

index annuities

Protection from market downturns.

An index annuity allows you to participate in the upside of the market, while having protection on the downside. Index Annuities have the opportunity to earn interest based on performance in an external market index. Since you’re not actually participating in the market, the money in your annuity (your “principal”) is not at risk.

Protection from market downturns

Tax-deferred growth potential

One or more index allocation options

Many different withdrawal options, including income for life

variable annuities*

*Only available through Muriel Siebert & Co., LLC

Performance potential through variable options. Variable annuities allow you to grow your funds tax deferred while investing in different variable options (typically Funds). There are multiple withdrawal options when it comes to Variable annuities.

A level of protection may provide additional guarantees and benefits

Many different withdrawal options including income options

Tax-deferred growth potential

Tax Deferred Growth
Death benefit
Single purchase payment or installments
Minimum guaranteed interest rate
Principal Protection
Market-linked growth potential
Investment Options
Lifetime Income

Compare Annuities	Tax Deferred Growth	Death Benefit	Single Purchase Payment or Installments	Minimum Guaranteed Interest Rate	Principal Protection	Market-linked Growth Potential	Investment Options	Lifetime Income
Fixed Annuity
Indexed Annuity
Variable Annuity
Immediate Annuity

compare
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fixed
annuity

indexed
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variable
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immediate
annuity

Tax Deferred Growth

Death benefit

Single purchase payment or installments

Minimum guaranteed interest rate

Principal Protection

Market-linked growth potential

Investment Options

Lifetime Income

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Siebert Financial Corporation (“Siebert”) has a full range of brokerage and financial advisory services offered through its operating subsidiaries, affiliates and brands associated with Siebert Financial described below. 

Muriel Siebert & Co., LLC Member: | | – Provides brokerage and custodial related services and is the registered Broker Dealer and wholly owned subsidiary of Siebert Financial Corporation.

‍. (“SiebertNXT”) – A Registered Investment Advisor that provides investment advisory services and discretionary investment management for a fee. SiebertNXT is the brand name for . Prior to investing in a managed SiebertNXT portfolio, we will obtain important information from you about your financial profile and risk tolerances and we will provide you with a detailed investment proposal, investment Advisory Agreement and Wrap Fee Programs Brochure. These documents contain important information that should be carefully read before enrolling in a managed account program. Siebert AdvisorNXT, LLC. is a wholly owned subsidiary of Siebert Financial Corporation. Please read for more information.

Park Wilshire Companies, Inc. ("") - Offer insurance products and annuity investments through Park Wilshire Companies, Inc., a wholly owned subsidiary of Siebert Financial Corporation. Please read and .

RISE Financial Services LLC ("") - is a registered Broker Dealer and subsidiary of Siebert Financial Corporation. RISE Prime is a division of RISE Financial Services, LLC.

‍ – Partners with public companies to offer share plan administration solutions and services on behalf of their employees. Please read .

Siebert Online and SiebertNXT response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance.

You should always carefully consider the investment objectives, risks, charges and expenses of any investment before investing. Investing in securities products involves risk, including possible loss of principal.

Siebert Financial Corporation (“Siebert”) its affiliates & subsidiaries do not provide tax advice, and you should always consult your own tax advisor before taking any action that may have tax consequences.