Annuities are long-term vehicles designed for retirement. Principal and interest guarantees are based on the claims-paying ability of the issuer subject to their terms and conditions. Keep in mind that if you take your money out early, you may have to pay surrender charges and, if you’re younger than 59½, an additional 10% tax penalty. Naturally, if you take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced. Equity-indexed annuities don’t directly participate in stock or equity investments. Withdrawals or surrenders before the expiration of an indexed period will result in no index participation for those amounts. Failure to maintain the contract until it matures may result in no participation in the equity index, and actual returns may be less than the return of the linked index—possibly even negative if you surrender any of the contract before the expiration of any applicable surrender charge period. Annuities are not FDIC insured. Certain terms and conditions apply, so please read insurance company materials carefully.
Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company, and are subject to their terms and conditions.
Long Term Care coverage policies and provisions may not be available in all states. Approval may be subject to the terms and conditions of the insurance company.
Insurance products offered through Lucia Insurance Services, LLC (CA Insurance Lic. #0H40817). Lucia Insurance Services is licensed to offer insurance products such as life, disability, long-term care, and annuities. Lucia Insurance Services is under common ownership with Lucia Securities, LLC.