Annuities
An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Unlike most savings plans, an annuity accrues interest tax-deferred until you choose to withdraw.
Sky Vision, a insurance agency that can help you determine whether an annuity is appropriate for you. Considerations to be included are: age, income, net worth, tax status, insurance needs, financial objectives, liquidity needs, time horizon, risk tolerance, and any other applicable information. Together, we can decide not only whether an annuity is right for you, but also which kind of annuity is right for you specifically.
年金指的是您與保險公司之間的合約，根據合約的條款您進行一次性或多次付款。作為回報，保險公司同意定期付款給您（可以選擇即刻生效或在今后的某一天開始)。不同于一般大多數的儲蓄計劃，年金所累計的利息可以享受納稅延遲直到您開始提款。此外，年金的靈活性，使其允許您根據您自身的條款時間使其功能個人化。
我們互惠保險擁有高素質且優秀的金融專家，致力于幫助您選擇最合適您的年金產品。我們會結合多方面考慮：年齡、收入、凈資產、納稅狀況、保險需求、財務目標、流動資金需求、時間范圍、風險承受能力及其它適用的信息。綜合來說，我們即可決定年金是否適合于您，亦可具體決定出哪種產品適用于您的情況。
Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. Annuities may be subject to taxation during the income or withdrawal phase. Neither Sky Vision, nor any agents acting on its behalf, should be viewed as providing legal, tax or investment advice. You should rely on your own qualified adviser.
Fixed Index Annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. They may not be appropriate for all clients.
Sky Vision Insurance/Li David, CA License Number 0G00707/0F58914, does not provide tax legal or investment advice. You should consult with and rely on your own qualified advisor. Sky Vision Insurance/Li David are licensed to do business in California.