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Annuities

Secure your future today with an Alfa® annuity.

As a part of your retirement plan, you may want to consider an annuity from Alfa Insurance®. Annuities are tax-deferred long-term savings plans offered through insurance companies like Alfa that earn interest on a tax-deferred basis, so you won’t have to pay taxes until money is withdrawn. 

Worried about what happens to the money if you pass away before the annuity reaches maturity? With Alfa, your family will be paid the full annuity values with no surrender charges.* 

With a guaranteed minimum interest rate of 1.5 percent and a current credited interest rate of 2 percent, an Alfa annuity may be the right fit for your financial future.

Because everyone’s financial situation is different, Alfa offers two types of annuities: 

Single premium deferred annuity

With Alfa’s single premium deferred annuity, you make only one premium payment at policy issue. You can then withdraw up to 10 percent of the accumulation value each year without a withdrawal charge. The interest rate may change each year on the policy anniversary date but does not change during the year. You can determine the maturity date for when the accumulation value would begin to be paid to the annuitant using the selected settlement or lump sum payment options.

Contribution Limits:
Minimum: $5,000
Maximum: $500,000 (more with prior company approval)

Flexible premium deferred annuity

With Alfa’s flexible premium deferred annuity, you can make premium payments on a regular or irregular basis. The interest rate may change each year on the policy anniversary date but does not change during the year. You can determine the maturity date for when the accumulation value would begin to be paid to the annuitant using the selected settlement or lump sum payment options.

Contribution Limits: 

Minimum: $600 Annually

Maximum: $500,000, or $10,000 monthly (more with prior company approval)


Call your local Alfa agent today to see how an annuity can help prepare you for the future.
 
* Payments withdrawn during the first 10 years of the annuity contract will be subject to an early withdrawal charge. Please refer to the annuity contract and illustration for additional information. Tax penalties may apply to withdrawals made before the contract purchaser reaches age 59 1/2. Your tax advisor can assist you with the tax implications of annuity withdrawals.


This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.