Annuities
A variable or fixed annuity is a contract with an insurance company in which the company guarantees to pay you a stream of payments for a specific time period or for your lifetime.*
Fixed Annuities
Fixed Annuities are not FDIC insured. However, they may offer safety, tax advantages and flexibility.
Fixed Annuities offer a guaranteed* interest rate and return by the issuing insurance company.
*Guarantee subject to insurance company's ability to pay the annuity in the future.
Variable Annuities
Variable Annuities are tied to the performance of the fund that you select.
As you build your financial assets over time, annuities can offer you systematic withdrawal, and your savings can be tax deferred.
Sentinel Securities, Inc., offers a wide variety of fixed, variable and tax-advantaged annuities. Ask your investment representative to help you select the annuity that may be right for your financial situation.
*Offered through an affiliated Sentinel Insurance Agency, Inc.
Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. For more complete information on a particular annuity, including charges and expenses, request a prospectus from Sentinel Securities, Inc., 55 Walkers Brook Drive, Suite 100, P.O. Box 5002, Reading, MA 01867. Please read it carefully before you invest or send money. No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Certain products and or investment options may not be available in all states. Certain contract features may differ depending on the state regulations under which the contract is governed.
Variable annuities are long-term, investment products designed for retirement purposes. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty. Most variable annuities do not have a front-end sales charge. However, contingent deferred sales charges may be applied to Purchase Payments withdrawn within a specific number of years after they are applied. Withdrawals from annuities may be subject to ordinary income tax.
The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's units, when redeemed, may be worth more or less then their original value. Past performance of underlying portfolios is no guarantee of future performance. You should consult a competent tax advisor regarding the tax implications of these products or the use of these products in your particular situation.
Variable Annuities are not a deposit of or guaranteed by, any bank or bank subsidiary, and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency. Variable Annuities are subject to investment risks, including the possible loss of the principal amount invested. Fixed annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
You should carefully consider a variable annuity's risks, charges, limitations and expenses, as well as the risks, charges, expenses and investment objectives of the underlying investment options. The accompanying prospectuses contain this and other information about the particular variable annuity. Read them carefully before investing.