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Annuities in Logan and Layton, UT

Keep Your Financial Resources Protected.

The Alivint Group understands the value of saving for and investing in your future. If you’re like many Americans, you work diligently each day and take the right steps to ensure that you’ll be supported with a comfortable income after you retire. That’s why it’s smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income.

The last thing you’ll want to experience as a retiree is a loss of your financial resources. With an Annuity from The Alivint Group, you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.

Types of Annuities

The Alivint Group can offer two types of Annuities: Deferred and Immediate Annuities.

Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments.

Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.

Understand Your Investments

An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity’s value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.

Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You’ll have to pay income tax on the withdrawal, and if you’re not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.

An annuity is sold by an insurance company, and the annuity’s guarantees and protections are subject to that company’s ability to pay for them. However, this doesn’t apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.

An annuity is sold by prospectus, a document that describes the annuity’s objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.

It’s important to discuss your options with a specialist at The Alivint Group who is committed to helping you make the right decisions.

Our Locations

Main Location

248 S Main St
Logan, UT 84321
Main office: 435-214-1259
Fax: 435-514-7771

Secondary Location

172 E Promontory, Building J, Suite 275
Farmington, UT 84307
Main office: 801-436-5261
Fax: 435-514-7771

Our Providers

Testimonials

Ben provided great insight and many solutions to what I can do for finding the right health insurance plan for me and my family. It was far easier than I expected especially since I am self employed.

Matthew V
Very friendly and professional environment. The staff was well educated on all things insurance and helped me understand anything I was confused on. 10/10 would recommend

Aaron L
Ken Jensen has been my guy since day one. Takes care of everything and gives me a clear understanding while comparing different plans. 10/10

Tyler S
Very friendly and professional environment. Derek Miller changed and saved my life. I had no experience with insurance and he made the process easy and fulfilling. I would recommend this agency to anyone.

Deehan Jang
Guardian Insurance has changed their name to Alivint Financial & Insurance. They now provide Investment Services and Financial Planning, as well as all kinds of Insurance.

Joe S