{"id":4224,"date":"2017-02-20T10:55:38","date_gmt":"2017-02-20T18:55:38","guid":{"rendered":"http:\/\/www.mnjinsurance.com\/?page_id=4224"},"modified":"2020-06-05T11:44:25","modified_gmt":"2020-06-05T18:44:25","slug":"lifetime-income","status":"publish","type":"page","link":"https:\/\/mnjinsurance.com\/lifetime-income\/","title":{"rendered":"Lifetime Income"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_full-352b07ef7d3bc99b2e9f92e7a9e06bdb\">\n.flex_column.av-av_one_full-352b07ef7d3bc99b2e9f92e7a9e06bdb{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_full-352b07ef7d3bc99b2e9f92e7a9e06bdb av_one_full  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c\">\n#top .av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-1d24a52c3c3f7a1f475b2c9b08fa1d0c av-special-heading-h3 blockquote modern-quote  avia-builder-el-1  avia-builder-el-no-sibling  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Look beyond uncertainty as you prepare for retirement<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_full-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_full-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_full-6126cab7d8fab8d08143dd2dacdf673c av_one_full  avia-builder-el-2  el_after_av_one_full  el_before_av_one_fifth  first flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-ca57f25e97fd5553a0fb200bf82f1955\">\n.avia-image-container.av-av_image-ca57f25e97fd5553a0fb200bf82f1955 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-ca57f25e97fd5553a0fb200bf82f1955 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-ca57f25e97fd5553a0fb200bf82f1955 av-styling- avia-align-center  avia-builder-el-3  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4225 avia-img-lazy-loading-not-4225 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income.png\" alt='Lifetime-Income' title='Lifetime-Income'  height=\"478\" width=\"850\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income.png 850w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income-300x169.png 300w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income-768x432.png 768w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income-705x396.png 705w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Lifetime-Income-450x253.png 450w\" sizes=\"(max-width: 850px) 100vw, 850px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c av_one_fifth  avia-builder-el-4  el_after_av_one_full  el_before_av_three_fifth  first flex_column_div av-zero-column-padding column-top-margin'     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2 av_three_fifth  avia-builder-el-5  el_after_av_one_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding column-top-margin'     ><section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>The historic volatility combined with the limited availability of traditional retirement income sources, such as defined benefit pension plans, has placed a greater responsbility on Americans savings for their future. With this greater responsibility comes a need for financial solutions that can help provide a new level of protection for retirement savings.<\/center>&nbsp;<\/p>\n<p><center>Whether your long-term objective is to build a source of guaranteed lifetime income, save for a specific retirement goal, or leave a legacy for your loved ones, MNJ Insurance can help by offering annuities with benefits designed to meet your retirement needs.<\/center><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2 av_one_fifth  avia-builder-el-7  el_after_av_three_fifth  el_before_av_hr  flex_column_div av-zero-column-padding column-top-margin'     ><\/div>\n<div  class='hr av-av_hr-dcd2069817a0e3d34ae04cad8f3443c7 hr-default  avia-builder-el-8  el_after_av_one_fifth  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-54c856e91e901f76a59a138bcf53ecdd\">\n#top .av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-54c856e91e901f76a59a138bcf53ecdd .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-54c856e91e901f76a59a138bcf53ecdd av-special-heading-h3 blockquote modern-quote modern-centered  avia-builder-el-9  el_after_av_hr  el_before_av_one_fifth  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >How a fixed indexed annuity works<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c av_one_fifth  avia-builder-el-10  el_after_av_heading  el_before_av_three_fifth  first flex_column_div av-zero-column-padding '     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2 av_three_fifth  avia-builder-el-11  el_after_av_one_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding '     ><section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>A fixed index annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future<\/center><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2 av_one_fifth  avia-builder-el-13  el_after_av_three_fifth  el_before_av_one_third  flex_column_div av-zero-column-padding '     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_third-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_third-6126cab7d8fab8d08143dd2dacdf673c av_one_third  avia-builder-el-14  el_after_av_one_fifth  el_before_av_one_third  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-61e137ea1c9af8c1118df76fd508ffae\">\n.avia-image-container.av-av_image-61e137ea1c9af8c1118df76fd508ffae img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-61e137ea1c9af8c1118df76fd508ffae .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-61e137ea1c9af8c1118df76fd508ffae av-styling- avia-align-center  avia-builder-el-15  el_before_av_heading  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4244 avia-img-lazy-loading-not-4244 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain-180x180.png\" alt='Mountain' title='Mountain'  height=\"180\" width=\"180\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain-180x180.png 180w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain-150x150.png 150w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain-36x36.png 36w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain-120x120.png 120w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Mountain.png 300w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-d073d849f1400be6eeaa45812b94467b\">\n#top .av-special-heading.av-av_heading-d073d849f1400be6eeaa45812b94467b{\npadding-bottom:15px;\ncolor:#2775b4;\n}\nbody .av-special-heading.av-av_heading-d073d849f1400be6eeaa45812b94467b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-d073d849f1400be6eeaa45812b94467b .special-heading-inner-border{\nborder-color:#2775b4;\n}\n.av-special-heading.av-av_heading-d073d849f1400be6eeaa45812b94467b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-d073d849f1400be6eeaa45812b94467b av-special-heading-h3 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-16  el_after_av_image  el_before_av_textblock '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Two Unique Phases<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>Most fixed indexed annuities (FIAs) have two phases: an accumulation phase and distribution phase.<\/center><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_third-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_third-0aa7055fe62c3622faec82866afbaeb2 av_one_third  avia-builder-el-18  el_after_av_one_third  el_before_av_one_third  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-006c1eaf207857dccb3a746ea0c1085f\">\n.avia-image-container.av-av_image-006c1eaf207857dccb3a746ea0c1085f img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-006c1eaf207857dccb3a746ea0c1085f .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-006c1eaf207857dccb3a746ea0c1085f av-styling- avia-align-center  avia-builder-el-19  el_before_av_heading  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4245 avia-img-lazy-loading-not-4245 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum-180x180.png\" alt='Minimum' title='Minimum'  height=\"180\" width=\"180\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum-180x180.png 180w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum-150x150.png 150w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum-36x36.png 36w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum-120x120.png 120w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Minimum.png 300w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-7c30152e4ed6052128173bd292ed351f\">\n#top .av-special-heading.av-av_heading-7c30152e4ed6052128173bd292ed351f{\npadding-bottom:15px;\ncolor:#2775b4;\n}\nbody .av-special-heading.av-av_heading-7c30152e4ed6052128173bd292ed351f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-7c30152e4ed6052128173bd292ed351f .special-heading-inner-border{\nborder-color:#2775b4;\n}\n.av-special-heading.av-av_heading-7c30152e4ed6052128173bd292ed351f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-7c30152e4ed6052128173bd292ed351f av-special-heading-h3 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-20  el_after_av_image  el_before_av_textblock '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Minimum Guaranteed Interest<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>A FIA also guarantees you will receive at least the minimum guaranteed interest credited to the contract.<\/center><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_third-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_third-0aa7055fe62c3622faec82866afbaeb2 av_one_third  avia-builder-el-22  el_after_av_one_third  el_before_av_hr  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-5a1c68bf7254159d1d24ebca810169e0\">\n.avia-image-container.av-av_image-5a1c68bf7254159d1d24ebca810169e0 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-5a1c68bf7254159d1d24ebca810169e0 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-5a1c68bf7254159d1d24ebca810169e0 av-styling- avia-align-center  avia-builder-el-23  el_before_av_heading  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4243 avia-img-lazy-loading-not-4243 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer-180x180.png\" alt='Defer' title='Defer'  height=\"180\" width=\"180\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer-180x180.png 180w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer-150x150.png 150w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer-36x36.png 36w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer-120x120.png 120w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Defer.png 300w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-0ad462be7bb034451a20973e674ec863\">\n#top .av-special-heading.av-av_heading-0ad462be7bb034451a20973e674ec863{\npadding-bottom:15px;\ncolor:#2775b4;\n}\nbody .av-special-heading.av-av_heading-0ad462be7bb034451a20973e674ec863 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-0ad462be7bb034451a20973e674ec863 .special-heading-inner-border{\nborder-color:#2775b4;\n}\n.av-special-heading.av-av_heading-0ad462be7bb034451a20973e674ec863 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-0ad462be7bb034451a20973e674ec863 av-special-heading-h3 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-24  el_after_av_image  el_before_av_textblock '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Defer Paying Taxes<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>With a FIA, you defer paying taxes on your contract&#8217;s interest until you receive money from the contract.<\/center><\/p>\n<\/div><\/section><\/div>\n<div  class='hr av-av_hr-dcd2069817a0e3d34ae04cad8f3443c7 hr-default  avia-builder-el-26  el_after_av_one_third  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c av_one_half  avia-builder-el-27  el_after_av_hr  el_before_av_one_half  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-8d4831cb7c04271592311dd807d91190\">\n#top .av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190{\npadding-bottom:10px;\nfont-size:28px;\n}\nbody .av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190 .av-special-heading-tag{\nfont-size:28px;\n}\n.av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-8d4831cb7c04271592311dd807d91190 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-8d4831cb7c04271592311dd807d91190 av-special-heading-h3 blockquote modern-quote  avia-builder-el-28  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Phase One: Accumulation<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>The accumulation phase begins as soon as you purchase your annuity. Your annuity can earn a fixed rate of interest that is guaranteed by the insurance company or an interest rate based on the growth of an external index.<\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_half-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_half-0aa7055fe62c3622faec82866afbaeb2 av_one_half  avia-builder-el-30  el_after_av_one_half  el_before_av_one_half  flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-36f07f2f0d306cd785de7877056d9b97\">\n.avia-image-container.av-av_image-36f07f2f0d306cd785de7877056d9b97 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-36f07f2f0d306cd785de7877056d9b97 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-36f07f2f0d306cd785de7877056d9b97 av-styling- avia-align-center  avia-builder-el-31  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4250 avia-img-lazy-loading-not-4250 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Accumulation.png\" alt='Accumulation' title='Accumulation'  height=\"317\" width=\"475\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Accumulation.png 475w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Accumulation-300x200.png 300w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Accumulation-450x300.png 450w\" sizes=\"(max-width: 475px) 100vw, 475px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_half-6126cab7d8fab8d08143dd2dacdf673c av_one_half  avia-builder-el-32  el_after_av_one_half  el_before_av_one_half  first flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-7f047d07c77607d80ecc3159a642fbe3\">\n.avia-image-container.av-av_image-7f047d07c77607d80ecc3159a642fbe3 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-7f047d07c77607d80ecc3159a642fbe3 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-7f047d07c77607d80ecc3159a642fbe3 av-styling- avia-align-center  avia-builder-el-33  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4251 avia-img-lazy-loading-not-4251 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Retirement.png\" alt='Retirement' title='Retirement'  height=\"289\" width=\"434\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Retirement.png 434w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Retirement-300x200.png 300w\" sizes=\"(max-width: 434px) 100vw, 434px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_half-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_half-0aa7055fe62c3622faec82866afbaeb2 av_one_half  avia-builder-el-34  el_after_av_one_half  el_before_av_hr  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-26b1d1339953b19a67da350d8ab56948\">\n#top .av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948{\npadding-bottom:10px;\nfont-size:28px;\n}\nbody .av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948 .av-special-heading-tag{\nfont-size:28px;\n}\n.av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-26b1d1339953b19a67da350d8ab56948 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-26b1d1339953b19a67da350d8ab56948 av-special-heading-h3 blockquote modern-quote  avia-builder-el-35  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Phase Two: Distribution<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"font_7\">The distribution phase of a fixed index annuity begins when you choose to receive income payments. You can always take income in the form of scheduled annuitization payments over a period of time, including your lifetime. And many fixed index annuities allow you to take income withdrawals as an alternative to annuitization payments.<\/p>\n<p class=\"font_7\">Either way, you can choose from several different payout options based on your personal needs, including options for guaranteed lifetime income.<\/p>\n<\/div><\/section><\/div>\n<div  class='hr av-av_hr-dcd2069817a0e3d34ae04cad8f3443c7 hr-default  avia-builder-el-37  el_after_av_one_half  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-135937247a81d9d638b16a9b9391c9de\">\n#top .av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-135937247a81d9d638b16a9b9391c9de .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-135937247a81d9d638b16a9b9391c9de av-special-heading-h3 blockquote modern-quote modern-centered  avia-builder-el-38  el_after_av_hr  el_before_av_one_fifth  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >A unique combination of benefits that can help you achieve your long-term goals<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c av_one_fifth  avia-builder-el-39  el_after_av_heading  el_before_av_three_fifth  first flex_column_div av-zero-column-padding '     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_three_fifth-0aa7055fe62c3622faec82866afbaeb2 av_three_fifth  avia-builder-el-40  el_after_av_one_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding '     ><section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><center>A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income.<\/center><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2\">\n.flex_column.av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-0aa7055fe62c3622faec82866afbaeb2 av_one_fifth  avia-builder-el-42  el_after_av_three_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding '     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c\">\n.flex_column.av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_fifth-6126cab7d8fab8d08143dd2dacdf673c av_one_fifth  avia-builder-el-43  el_after_av_one_fifth  el_before_av_image  first flex_column_div av-zero-column-padding column-top-margin'     ><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_image-1a603f35574590a98cf22e5ccaa1729f\">\n.avia-image-container.av-av_image-1a603f35574590a98cf22e5ccaa1729f img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-1a603f35574590a98cf22e5ccaa1729f .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-1a603f35574590a98cf22e5ccaa1729f av-styling- avia-align-center  avia-builder-el-44  el_after_av_one_fifth  el_before_av_heading '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-4252 avia-img-lazy-loading-not-4252 avia_image ' src=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Pie-Chart.png\" alt='' title='Pie-Chart'  height=\"500\" width=\"750\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/mnjinsurance.com\/wp-content\/uploads\/Pie-Chart.png 750w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Pie-Chart-300x200.png 300w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Pie-Chart-705x470.png 705w, https:\/\/mnjinsurance.com\/wp-content\/uploads\/Pie-Chart-450x300.png 450w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-7ba954c96d78dbbed74d9835618c42a9\">\n#top .av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9 .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-7ba954c96d78dbbed74d9835618c42a9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-7ba954c96d78dbbed74d9835618c42a9 av-special-heading-h3 blockquote modern-quote  avia-builder-el-45  el_after_av_image  el_before_av_textblock  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Tax Deferral<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Under current federal income tax law, any interest earned in your fixed index annuity contract is tax-deferred. You don&#8217;t have to pay ordinary income taxes on any taxable portion until you begin receiving money from your contract. Withdrawals are taxed as ordinary income and, if taken prior to age 59 1\/2, a 10% federal additional tax may apply.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-535c202888fe59838bf913f28d384292\">\n#top .av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292 .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-535c202888fe59838bf913f28d384292 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-535c202888fe59838bf913f28d384292 av-special-heading-h3 blockquote modern-quote  avia-builder-el-47  el_after_av_textblock  el_before_av_textblock  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Indexed Interest Potential<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Fixed index annuities provide an opportunity for potential interest growth based on changes in one or more indexes. Because of this potential indexed interest, FIAs provide a unique opportunity for accumulation. And since the interest your contract earns is tax-deferred, it may accumulate assets faster. In addition to potential indexed interest, FIAs can offer you an option to receive fixed interest.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-44b934ba4608db4278091f89e98fd143\">\n#top .av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143{\npadding-bottom:10px;\nfont-size:23px;\n}\nbody .av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143 .av-special-heading-tag{\nfont-size:23px;\n}\n.av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-44b934ba4608db4278091f89e98fd143 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-44b934ba4608db4278091f89e98fd143 av-special-heading-h3 blockquote modern-quote  avia-builder-el-49  el_after_av_textblock  el_before_av_textblock  av-inherit-size'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Protection<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Fixed index annuities offer you a level of protection you may find reassuring. That protection can benefit you in three separate ways:<\/p>\n<\/div><\/section>\n<div  class='togglecontainer av-av_toggle_container-58d3b55d78679e2c4a6f7b2e625e97f8  avia-builder-el-51  el_after_av_textblock  avia-builder-el-last  toggle_close_all' >\n<section class='av_toggle_section av-av_toggle-d145fb18d17e7fbb4f3092c15a2e563a'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p data-fake-id='#toggle-id-1' class='toggler  activeTitle '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1'>Accumulation<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' class='toggle_wrap  active_tc' style='display:block;' ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Your principal and credited interest are protected against market downturns.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-60c31cbbebda96696562c5cf52ef20a3'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p data-fake-id='#toggle-id-2' class='toggler   '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2'>Guaranteed Income<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' class='toggle_wrap  '  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>You can be protected from the possibility of outliving your assets.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-49c87bf2f6ede87dae595687052a6d1a'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p data-fake-id='#toggle-id-3' class='toggler   '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3'>Death Benefit<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' class='toggle_wrap  '  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>If you pass away before annuity payments begin, a fixed index annuity may help you provide for your loved ones.<\/p>\n<\/div><\/div><\/div><\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"Look beyond uncertainty as you prepare for retirement The historic volatility combined with the limited availability of traditional retirement income sources, such as defined benefit pension plans, has placed a greater responsbility on Americans savings for their future. With this greater responsibility comes a need for financial solutions that can help provide a new level&hellip;","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":26,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/pages\/4224"}],"collection":[{"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/comments?post=4224"}],"version-history":[{"count":0,"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/pages\/4224\/revisions"}],"wp:attachment":[{"href":"https:\/\/mnjinsurance.com\/wp-json\/wp\/v2\/media?parent=4224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}