Everwise Investment Services

Fixed Annuity

Add safety and tax savings to your retirement strategy.

Fixed Annuities are designed for more conservative investors close to retirement

Fixed annuities allow you to protect assets from market volatility. These contracts with an insurance company often pay you an agreed-upon percent for a guaranteed number of years. Withdrawals may be subject to surrender charges during the early years of the contract, and funds withdrawn from any annuity prior to age 59 1/2 may be subject to a 10% IRS penalty.

Rates

5.00%

3-Year Guarantee Period

5.20%

5-Year Guarantee Period

Rates shown are for illustrative purposes only and are not intended to be a solicitation for a specific insurance product. Please consult a qualified professional to determine which strategies or investments may be suitable for you. Rates effective 5/1/2024. Initial rates offered are subject to change.

Please contact your Everwise Investment Services Representative at (800) 756-6210 for more information.

Lock into a solid rate of return

  • Minimum premium of $100,000
  • Withdrawals may be subject to surrender charges during the early years of the contract
  • Funds withdrawn from any annuity prior to age 59 ½ may be subject to a 10% IRS penalty

For more information, contact your Everwise Investment Services representative at (800) 756-6210.

Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. 

Disclosure

These rates are as of May 1, 2024 for premiums of $100,000 or more and is subject to change. Products are offered through Delaware Life Insurance Company, www.delawarelife.com, which is unaffiliated with Everwise Investment Services. Renewal rates may be different than those listed. Annuities are long-term financial vehicles designed for retirement purposes. Withdrawals in excess of the 10% penalty-free amount beginning in year two, will incur a surrender charge and market value adjustment, if applicable. Withdrawals before age 59½ are taxed as ordinary income and may be subject to a 10% federal tax penalty. The policy may not be available in all states, and product features may vary by state. Current yield applies when held for the entire guarantee period. Surrender value will not be less than the minimum value required by your state. Apex MYGA® has age eligibility requirements, minimum premium amounts, systematic withdrawal limits, and qualifying requirements for waiver of withdrawal and surrender charges. For complete details, including limitations and exclusions, ask your financial professional or refer to the Apex MYGA® product brochure. Delaware Life Insurance Company (Waltham, MA) is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. Guarantees are based on the claims paying ability of the underlying insurance company and are not FDIC insured. **CDs are FDIC insured. This communication is for informational purposes only. It is not intended to provide, and should not be interpreted as individualized investment, legal or tax advice. To obtain such advice, please consult with an appropriate professional. © 2023 Delaware Life Insurance Company APRATE23AD 2022110010

All information presented on this page is for educational purposes only and doesn’t constitute tax, legal or accounting advice. It is to be considered as general information, not recommendations. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

**With a Roth IRA, you contribute after-tax dollars, your money grows tax-free, and you can generally make tax- and penalty-free withdrawals after age 59½. With a Traditional IRA, you contribute pre- or after-tax dollars, your money grows tax-deferred, and withdrawals are taxed as current income after age 59½. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Everwise Investment Services and Everwise Credit Union (Everwise) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Everwise Investment Services, and may also be employees of Everwise. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Everwise or Everwise Investment Services. Securities and insurance offered through LPL or its affiliates are:

Your credit union ("Everwise Credit Union") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay Everwise Credit Union for these referrals. This creates an incentive for Everwise Credit Union to make these referrals, resulting in a conflict of interest. Everwise Credit Union is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/content/dam/lpl-www/documents/disclosures/lpl-financial-relationship-summary.pdf for more information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Routing Number | 271291826