If you want to earn more interest than banks are paying for Certificate's of Deposit, but you also need a Principal Guarantee that you can always get back 100% of your premium in case of an unforeseen emergency or opportunity, no matter what, then you should consider an annuity with a Return of Premium benefit.

One of the objections some have to a Deferred Annuity are the surrender charges, even though most annuities have a Free Withdrawal benefit, which is usually 10% of the annuity value per year.

Many annuities also have Crisis Waivers, where the surrender charges are waived for a qualifying event, such as Disability, Unemployment, Terminal Illness, Nursing Home Confinement, or Hospital Confinement.

What a Return of Premium benefit means to you, as the annuity owner, is that you are always guaranteed a return of your principal, less any withdrawals. Surrender charges only apply towards credited interest, which is very similar to the interest penalty that banks apply to a CD that is cashed in prematurely.

So, if something happens and you need your money back, whether it is six months, one year, or two years later, you will always get your money back, without any risk to original principal and no surrender charges applied towards your original premium (less any withdrawals that you have already made).

We have several Deferred Annuities with a Return of Premium benefit, and we can provide you with a FREE proposal that shows you exactly how awesome this benefit is.

Do you want to know more? Please call today at (800) 680-5596 or click on the Contact button at the top of the website.