TOM BLANCHARD INSURANCE
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Annuities

What is an Annuity?

​For an income you can never outlive, annuities is contractually-executed, relatively low-risk products; the insured (usually, an individual) pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period (predetermined by the insured). The insurer invests the premium; the resulting profit/return on funds of the payments received by the insured, and, compensate the insurer. 

Conventional annuity contracts provide a predictable, guaranteed stream of future income (e.g., for retirement) until the death(s) of the beneficiaries(s) named in the contract, or, until a future termination date – whichever occurs first. These financial instruments have been used to accumulate funds and provide significant and sudden increases in personal income (via future, lump-sum withdrawals), all while legally avoiding the taxes (e.g., income-, capital gains-, estate-) that would otherwise be assessed on them.

Immediate Annuities vs. Deferred Annuities

​An Immediate Annuity is an insurance policy which, in exchange for a sum of money, guarantees that the issuer will make a series of payments. These payments may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives, or even whichever is longer.

A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment

Contact us to learn more about the right annuity for you.
(575) 956-6394
PO Box 1448
Silver City, NM 88062​
Click Here to Email Us
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​Tom Blanchard
[email protected] | 575.956.6394

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Licensed in New Mexico, Arizona, Colorado, Missouri, Montana, Nevada, Texas, and Utah.

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Contact Us

Tom Blanchard Insurance
PO Box 1448
Silver City, NM 88062
(575) 956-6394
Click Here to Email Us
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Website by InsuranceSplash
  • Home
  • Products
    • Medicare Supplement
    • Group Benefits
    • Health Insurance
    • Critical Illness Insurance
    • Dental and Vision Insurance
    • Long Term Care Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
  • Quotes
    • Medicare Supplement Coverage Quote
    • Group Benefits Insurance Quote
    • Business Quote
    • Health Quote
    • Critical Illness Insurance Quote
    • Dental Insurance Quote
    • Long Term Care Insurance Quote
    • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Quote
      • Annuity Quotes
      • Disability Quote
      • Final Expense Insurance Quote
  • Learn
    • Individuals and Couples
    • Parents of Children Under 18
    • People Over 55
    • Small Business Owners
    • Corporate Executives
    • Private Practice Individuals
  • Service
    • Free Consultation
    • Update Contact Info
    • Policy Changes
    • Contact My Carrier
  • About
    • Client Testimonials
    • Refer a Friend
    • Local Links
    • Staff Directory
    • Photos
    • Insurance Carriers
    • Blog
    • News
  • Contact