Financials

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Annuities

An annuity is a contract between yourself and a life insurance company in which you agree to pay a premium payment(s) to the issuing insurance company in return for a guaranteed payment(s) at a future date or over a period of time.

A fixed annuity earns a fixed interest rate on your premium. This amount is declared by the insurance company and can change over time and includes a guaranteed minimum interest rate that the contract will earn.

Additional benefits offered by fixed annuities include:

  • Tax-deferred growth
  • Guarantees to your principal
  • The option to take a lifetime income stream
  • Avoiding probate with a properly named beneficiary other than your estate

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10 benefits of working with Kluge

1.Friendly staff 2.Knowledgeable agents 3.SERVICE 4.Timely responses 5.Large variety of companies to select from 6.SERVICE 7.Will find a plan to fit your needs and budget 8.Committed to a long term relationship with our clients 9.Truly appreciate your business 10.SERVICE

Testimonials

Many agencies make discussing insurance complicated, but Charlotte and her team at Kluge Insurance make it easy and they are always available to answer any questions I may have. …

Kluge Insurance has been a true asset to our practice/business. With the ever changing health insurance processes, the challenge of any business is to give their employees the best…

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