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Discover the differences among annuity types

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At Senior Annuity Alert, we dive into current annuity payouts and other benefits, what fixed index annuities offer, why you may want to consider annuities, and top reasons to purchase an annuity.

Welcome to Senior Annuity Alert, a complimentary resource, courtesy of J.D. Mellberg Financial.

No two people are the same, so why would their retirement income strategies be? With so many things to take into consideration when planning your ideal future, making informed choices can boost your retirement success.

Having a guaranteed,* higher net income is possible in retirement, and maintaining a well-thought-out financial strategy can help you get there. Our goal is to help you get the information you need to make the best decisions for your financial future. Take the time to learn more about annuities and how they can benefit you, today!

Click the links below to get started:
Annuity Basics | Annuity Types | Why Annuities?

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Part 1: Immediate Annuities

Part 2: Fixed Annuities

Part 3: Variable Annuities

Part 4: Fixed Index Annuities

Part 5: J.D. Signature Annuity Strategies

Why You May Want To Consider Annuities

There are many details people don’t know about annuity products. Before you purchase an annuity, you will want to know whether or not an annuity can be of benefit to you.

Annuities offer guaranteed* benefits such as protection for your principal, helping ensure your assets will be there for future use.

An annuity is a contract between you and an insurance company. One purpose of the contract is to provide an income stream at a later date for the current premium(s) paid. Like any financial vehicle, annuities have pros and cons. An annuity might be a good choice for you if you are interested in protection from downside market risk and a life-long income stream.** Additionally an annuity may be right for you if you don't need access for some time to the amount of premium you pay. Other financial products could be preferable if you may need access to your money sooner.

An annuity may be a good choice if you have a relatively large amount of money you want to protect from stock market loss, while earning a steady interest rate, and paying low fees. Alternatively, if you only have a small amount of premium to pay into an annuity, the costs and fees may offset the interest you would earn. Again, a different product or game-plan may serve you better in that case.

Top Reasons to Purchase an Annuity


Annuities are secured by the financial strength and claims-paying ability of the company that issued it.


Insurance companies recognize that annuity-owners want growth, and annuities offer a steady guaranteed* interest rate. A fixed index annuity offers the potential for an increased interest rate linked to the rise of a specific stock market index. When the index goes down, your credited interest and principal do not lose value.

Guaranteed* income

Establish your “pay money” before you spend your “play money” so you have no concerns each month about how to pay your bills: Just watch your bank statement for the annuity check.

Tax Deferral

The interest you earn on an annuity is not taxed while it grows, rather your principal and earnings grow tax-deferred until you withdraw money or start annuity payments. Then, if you purchased your annuity with after-tax dollars, only the earnings are taxed.

More Confident Retirement

Like any financial strategy or vehicle, annuities do not work well for everyone. Take a look and see what they may have for your unique situation. For many owners, the guaranteed* monthly income helps them live a more financially confident retirement.