Michael Wirjadisastra Insurance And Financial Agency
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  • Home
  • About
    • Refer a Friend
    • Insurance Carriers
    • Newsletter Signup
    • News
    • Blog
  • Team
  • Services
    • Get a Free Retirement Planning Book
    • Update Contact Info
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Resources
    • Circle of Wealth >
      • 10 Minute Lesson on L.I. Tutorial
      • 10 Minute Lesson
      • Circle of Wealth Video
      • Club vs. Swing
      • College Funding Video
      • Mortgages
      • Personal Economic Model
      • Private Reserve Strategy
      • Qualified Plans
      • Retirement Are You Ready?
      • Your Bank
    • Life Insurance
    • Annuities
    • New Retirement Rule
    • Medicare Supplement Coverage
    • Financial Planning
    • Dental Insurance
    • Final Expense Insurance
    • Long Term Care Insurance
    • Social Security Strategy
    • SOFA
  • Contact


Annuities

Protect your future with guaranteed income for the rest of your life. Speak with our financial experts today to find the best options for your financial situation.

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What is an Annuity?

Annuities are contractually-executed, relatively low-risk investment products; the insured (usually, an individual) pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period (predetermined by the insured). The insurer invests the premium; the resulting profit/return on investment fund the payments received by the insured, and, compensate the insurer. 

Conventional annuity contracts provide a predictable, guaranteed stream of future income (e.g., for retirement) until the death(s) of the beneficiaries(s) named in the contract, or, until a future termination date – whichever occurs first. These financial instruments have been used to accumulate funds and provide significant and sudden increases in personal income (via future, lump-sum withdrawals), all while legally avoiding the taxes (e.g., income-, capital gains-, estate-) that would otherwise be assessed on them.

Immediate Annuities vs. Deferred Annuities

An Immediate Annuity is an insurance policy which, in exchange for a sum of money, guarantees that the issuer will make a series of payments. These payments may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives, or even whichever is longer.

A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment

Contact us to learn more about the right annuity for you.
(510) 772-0036​​
4695 Chabot Dr, Suite 200
Pleasanton, CA 94588​
Click Here to Email Us
Annuity Quote
Annuities provide guaranteed income for life

Licensed in California and Arizona


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Michael Wirjadisastra Insurance
And Financial Agency

​4695 Chabot Dr, Suite 200
Pleasanton, CA 94588
(510) 772-0036​​​
​Toll-Free: (888) 327-9114
Click Here to Email Us

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