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Carlton Group Insurance Services, Inc - Clarksville, TN

Over 25 Years Insurance Experience

1880 Garwood Dr.

Clarksville, TN. 37040

P. O. Box 440

Springfield, TN. 37172

Phone: 931-648-9463 

TOLL FREE

1-888-589-4758 

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Tennessee-TN Equity Indexed Annuity

TN Equity Indexed Annuity-Lump Sum or Series of Payments.  Index-Linked Interest-Long Term Financial Planning.  Equity Indexed Annuity Could Be Right For You.

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Indexing Methods . . .

High Water Mark - Credits index-linked interest based on the increase in index value form the beginning of the contract term to the highest value at various points during the contract term, usually the annual anniversary of the date you purchased the annuity.

Point-to-Point - Credits interest on any gain from the beginning of the contract term to the end of the term.

Annual Reset - Credits interest based on any increase in index value from the beginning to the end of the calendar year.

 

HumanaOne® Portrait

Personal Health Plan

May Be Right

For You

Plan Snapshot

 

Available

Discount Health Plans

Basic Health - $ 29.95

Total Health - $ 39.95

Total Health Plus - $ 59.95

(Includes Entire Household)

What is an Equity Indexed Annuity (EIA) ?

An equity indexed annuity is a special type of contract between you and an insurance company. EIAs are more complex than fixed annuities, but have some of the same characteristics.  The return on an EIA varies more than that of a fixed annuity.

Once you make a deposit into your EIA, either in a lump sum or a series of payments, the insurance company credits you with a return that is linked to changes in an equity index, such as the S&P 500.

PLEASE NOTE - You are not buying stock or investing directly in any index.

It seems that most people who buy CDs at their local bank buy them for savings and don't think much about it .  This is money that you don't need for day-to-day living expenses. CDs are purchased in terms of 1 year; 3 years; 5 years; or longer and if you surrender them early, there will be penalties.

The same goes with annuities - they are long-term vehicles designed for retirement or other long-term planning.  If you surrender an annuity early, there will be penalties.

 

Fixed Annuities

What exactly do you earn when the market goes up ?
Equity Indexed Annuities credit you with anywhere from 50 to 100 percent of the price gain of the market -- excluding dividends. The percentage rate you earn (called the participation rate) may change from year to year.

 

What happens if stock prices decline ?
This depends on how your annuity is indexed. In general, if the stock market goes down, you can not earn as much or maybe nothing at all. However, the good news is, the main purpose of an Equity Indexed Annuity is to protect your capital.

 

 

Equity Indexed Annuites have proven to be excellent savings vehicles in the right situations, but they are long-term vehicles.

If your CDs are earning 2% or 3% and this is money that you don't need for the next several years, then an EIA just might be what you've been looking for.

 

Neither Carlton Group Insurance Serivces, Inc nor any of its representatives are authorized to give legal or tax advice.  Any legal or tax related questions should be directed to your legal/tax advisor.

 

 

TN Insurance Topics of Interest

 



 

Features associated with EIAs . . .
  • Interest Rate Caps.
    Indicates the maximum rate of interest the annuity can earn.  Let's assume your EIA has a "Cap" of 8% and the index linked to your annuity gained 7.5% --your EIA would be credited with the entire 7.5% gain.  On the ohter hand, if the index gained 9%, your annuity would be credited with the maximum of 8%.
  • Participation Rate. 
    This feature determines just how much of the index's increase will be used to compute the index-linked interest rate.  EXAMPLE:  Your EIA has a 100% "Participation Rate" and the index increases 7.5% - your annuity would be credited with the entire 7.5% gain (cannot exceed "cap").

 

  

AUTO-HOME-LIFE-HEALTH-BUSINESS INSURANCE

IN TN CITIES

Adams 

Adamsville  

Alamo 

Alcoa  

Altamont  

Andersonville  

Antioch

Ardmore  

Arlington  

Arrington  

Ashland City  

Athens  

Bartlett 

Bean Station  

Bell Buckle  

Benton  

Bethpage  

Big Sandy  

Blountville  

Bolivar  

Bon Aqua  

Bradford  

Brentwood 

Bristol

Brownsville 

Bruceton  

Burns  

Byrdstown 

Camden 

Carthage 

Cedar Grove 

Cedar Hill  

Centerville  

Chapel Hill  

Charlotte  

Chattanooga 

Clarksville

Cleveland 

College Grove  

Collierville  

Columbia  

Cottontown  

Covington 

Cross Plains  

Crossville  

Cumberland City   

Cookeville  

Copperhill   

Cunningham 

Dayton 

Decatur  

Dickson  

Dover   

Dresden   

Dunlap 

Dyersburg 

Eagleville  

Elizabethton  

Englewood  

Erin  

Estill Springs 

Fairview 

Fayetteville  

Franklin 

Gainesboro  

Gatlinburg  

Germantown 

Goodlettsville  

Greenbrier  

Hendersonville  

Hermitage 

Hillsboro  

Jackson  

Jamestown

Joelton  

Johnson City  

Kingsport  

Kingston Springs  

Knoxville  

Lawrenceburg  

Lebanon  

Lexington  

Madison  

Memphis  

Mt Juliet   

Mt Pleasant   

Murfreesboro 

Nashville 

Nolensville   

Old Hickory   

Pleasant View  

Pigeon Forge 

Portland  

Pulaski   

Ridgetop  

Shelbyville   

Smyrna   

Sparta  

Springfield  

Tennessee Ridge   

Tullahoma  

Union City  

Vanleer   

Waverly

Westmoreland   

White Bluff  

White House   

Winchester

Woodlawn  

 

Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee.   The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and auto and home insurance in the entire state of Tennessee. 

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