SPIA Annuities

(Form series 200231A)  (*See important notes)
Make your retirement years your most carefree and rewarding by guaranteeing yourself a lifetime income.

Our Single Premium Immediate Annuity is the right choice for you if:
• you are worried that you might outlive the funds you’ve set aside for retirement
• you’re concerned that Social Security and pension income won’t cover your retirement expenses
• you are uncomfortable with the uncertainty of your investment returns

Secure your savings with Royal Neighbor’s Single Premium Immediate Annuity.
Conservative investors can make a one –time installment of funds. It is a contract, or agreement, under which you pay one lump-sum premium ($5,000 minimum) and immediately begin to receive steady fixed income payments.

Two Payment Options:
You can elect to receive cash payments at several intervals:
• monthly
• quarterly
• semi-annually or
• annually.
These payments continue over the period of time you specify – anywhere from 5- 30 years.

Or you can choose the “Life Income” option with a 10 to 20 year period certain and receive payments for the rest of your life. In addition, you may purchase a joint and survivor option.

Plus this annuity allows you to spread your tax liability over the life of the contract.

Buyer Ages and Plan Variations:

Issue Age Plan
16-98 Adult non-qualified SPIA
21- 98 SEP IRA, above 70 ½ must be rollover money
16-98 IRA SPIA, above 70 ½ must be rollover money
16-98 Roth SPIA


Plus, as a member of Royal Neighbors of America, you are eligible for additional member benefits, AT NO ADDITIONAL COST!

*Single Premium Immediate Annuity (Form series 200231A) certificates are not available in all states.

Contractual provisions and limitations vary by state.

This is not intended to provide tax or legal advice. You should consult with a professional tax advisor about taxes related to single premium immediate annuities and your particular situation.