Insured Annuities

What Is An Insured Annuity?

An insured annuity is essentially a prescribed life annuity and a term life insurance policy, purchased together. An annuity provides a guaranteed regular income stream, while a term 100 life insurance policy provides a cash payout upon death. The combination of the benefits provided by these products is ideal for those seeking guaranteed income and the preservation of their capital. An insured annuity pays a higher guaranteed (after-tax) income for life, compared to most traditional alternatives.

An insured annuity provides:

The highest possible guaranteed income for life.
Income security through regular income payment.
Some distinct tax advantages.
Tax-deferred growth.
Preservation of capital.
How Does An Insured Annuity Work?

Using only a portion of the regular annuity payments, you purchase a level premium term insurance policy equal to the value of the life annuity. The death benefit of the life insurance policy is paid directly to your named beneficiary tax-free, allowing you to preserve your capital for your heirs.

If you are considering an insured annuity, ask yourself the following questions:

Do I want to maximize my income for retirement?
Am I concerned about guaranteeing the safety of my retirement income?
Am I concerned about the safety of my capital for the eventual transfer to my heirs?
How long am I willing to hold my investments?
Would I like to increase my after-tax guaranteed retirement income?
Who Are Insured Annuities For?

For individuals who are retired, or are approaching retirement, an insured annuity is certainly an investment worth considering. As well as, providing higher guaranteed income to complement other sources of income, an insured annuity allows you to preserve your capital for the eventual transfer to your heirs.

An insured annuity should be considered as an important component of a larger diversified plan.

Please contact us today for your no-obligation consultation. We look forward to helping you and your family.

WEALTHinsurance.com®

WEALTHinsurance developed from 25 years of experience at illnessPROTECTION.com.

Visit Website

Learn More

To learn more simply fill out this form or call us at 416-364-2929 or 1-866-566-2001.

What Our Clients say

"I responded to Mark's radio advertising on 680News, and he made it all so easy for me. He showed up on time, his cell phone never rang in our meetings and he returned my calls promptly. There was no hard sales push and he didn't sell me something that I didn't need. That's refreshing because we are all tired of being pushed to buy things that aren't necessary for us. I would recommend Mark Halpern to any busy and successful person who needs a high level professional and personal touch."
Dale Asser
Shorthorn Cattle Breeder
Hillhaven Farm

"I was really surprised to discover Mark was so much more than illnessPROTECTION.com. He looked at all of my insurance and family matters in a global manner. I found out that Critical illness insurance is only a small part of a bigger picture to live safely and comfortably. I feel much better knowing that someone who cares looks after my entire needs. Working with Mark was easy and a very pleasant experience. "
Dr. Kenneth G. Schafer, D.D.S,
Certified Endodonist

"I had been declined for life insurance over several years and had pretty much given up. Then I heard Mark's radio ads, went to the website and read the testimonials from significant business owners and professionals who apparently had similar challenges, yet Mark got them the protection they needed. After meeting Mark I felt confident that if he could not do it, nobody could. He put me in touch with a top medical doctor for a complete work up and tests. Several months after completion, we submitted an application into the largest insurance company in Canada and I was thrilled to be offered the life insurance and critical illness insurance that I wanted. I meet people all the time who promise big and don't deliver. It is rare to meet someone as competent as Mark who is a man of his word from day one. I trust him completely and appreciate his professionalism and hard work. I have already started referring him to my family, friends and clients."
R.S.
Merchant Banker

"My legal practice is restricted to insurance matters, and Mark Halpern is my personal insurance expert. When someone asks me where to go to get CI or life insurance, I only provide them with one name: Mark Halpern."
Jill E. McCutcheon
Partner
Borden Ladner Gervais LLP