Indexing Methods . . .

High Water Mark - Credits index-linked interest based on the increase in index value form the beginning of the contract term to the highest value at various points during the contract term, usually the annual anniversary of the date you purchased the annuity.

Point-to-Point - Credits interest on any gain from the beginning of the contract term to the end of the term.

Annual Reset - Credits interest based on any increase in index value from the beginning to the end of the calendar year.

Save Up to 50% or More

on Healthcare

in Tennessee

Discount Health Plans

Features associated with EIAs . . .

• Interest Rate Caps.

  Indicates the maximum rate of interest the annuity can earn.  Let's assume your EIA has a "Cap" of 8% and the index linked to your annuity gained 7.5% --your EIA would be credited with the entire 7.5% gain.  On the ohter hand, if the index gained 9%, your annuity would be credited with the maximum of 8%.
• Participation Rate. 

  This feature determines just how much of the index's increase will be used to compute the index-linked interest rate.  EXAMPLE:  Your EIA has a 100% "Participation Rate" and the index increases 7.5% - your annuity would be credited with the entire 7.5% gain (cannot exceed "cap").               

We are offering this example of just one Equity-Indexed Annuity.  This is an abbreviated version of the features of this EIA.  All provisions of the annuity contract will apply.

Neither Carlton Group Insurance Serivces, Inc nor any of its representatives are authorized to give legal or tax advice.  Any legal or tax related questions should be directed to your legal/tax advisor.

Equity Indexed Annuites have proven to be excellent savings vehicles in the right situations, but they are long-term vehicles.

If your CDs are earning 2% or 3% and this is money that you don't need for the next several years, then an EIA just might be what you've been looking for.