FPDA Annuities
The Royal Neighbors SteadyChoice offers guaranteed retirement savings with the flexibility to change your monthly contributions. And, unless you make a withdrawal, you earn tax deferred status on pre-tax dollar contributions.
Payment flexibility with guaranteed minimum interest – an investment you can count on!
- Minimum guaranteed interest of 3%
- Long term savings option
- No sales fees
- Issue ages: 16- 75 for the owner, 0-75 for the annuitant
- Minimum premium of $100 per month
- Qualified and unqualified
- ROTH IRA or SEP IRA
Low Payment Options Make Saving Affordable
Life changes quickly. You need a savings option that lets you control the contributions. As long as you meet the annual minimum premium, you can change your monthly contribution as your situation changes. And low monthly premium allotments mean that you can start saving today.
Stability in Uncertain Times
Royal Neighbors guarantees that the interest rate for the StableChoice Annuity will not drop below 3 percent. Eliminate the uncertainty with Royal Neighbors of America’s Flexible Premium Deferred Annuity product. Savings – without the worry.
Reduce Your Tax Liability
Contribute premiums from pre-tax dollars and reduce your annual gross income. Add tax deferred growth to your portfolio because with StableChoice you pay no taxes on the gain in your annuity until you take a withdrawal.
Earn tax-deferred growth.
Plus, as a member of Royal Neighbors of America, you are eligible for additional member benefits, AT NO ADDITIONAL COST!
- Not available in all states. Contractual provisions and limitations vary by state.
- Withdrawal charges may apply to partial and full surrenders during the first 10 certificate years.
- Withdrawals may be subject to income tax, If withdrawals are made before the owners age 59 1/2, the taxable portion may be subject to an additional 10% IRS penalty. Please consult your tax professional for information applicable to your personal situation.
- Under current law, all interest earned accumulates on a tax deferred basis.
- Annuities are products of the insurance industry and are not guaranteed by any bank or insured by the FDIC.