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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.
Phone: (708) 283-7316
Toll-free: 1833RHPLANS
15941 Harlem Ave #356 
Tinley Park, IL 60477-1609​​​
Click Here to Email Us
Annuity Quote
Annuities provide guaranteed income for life

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Rigel Hines and Associates
License #: 3000880987
15941 Harlem Ave #356 
Tinley Park, IL 60477-1609
(708) 283-7316​
Click Here to Email Us

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  • Home
  • Quotes
    • Personal Quotes >
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Short Term Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
        • Cancer Insurance Quote
        • Fixed Indemnity Quote
        • WBE Health On Exchange Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Term Life Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
        • Mortgage Protection Quote
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Umbrella Insurance Quote
      • Accident Insurance Quote
      • Cannabis Industry Quote
      • Director's and Officer's Quote
      • Professional Liability Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Personal Insurance >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Motorcycle Insurance
        • RV Insurance
      • Health >
        • Short Term Health Insurance
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
        • Vision Insurance
        • Cancer Insurance
        • Fixed Indemnity Insurance
        • WBE Health On Exchange
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Life/Financial >
        • Life Insurance
        • Term Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Mortgage Protection
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health Terms
    • Other >
      • Boat Insurance
      • Umbrella Insurance
      • Accident Insurance
      • Cannabis Industry Insurance
      • Director's and Officer's Insurance
      • Professional Liability Insurance
  • Carriers
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Newsletter Signup
    • Careers
    • News
    • Blog
  • Contact