Allstate(R) - Tracy L. Keefer

	Tracy L. Keefer		(304) 263-4596
	Allstate Personal Financial Representative

Allstate Products / Annuities

Annuities

An annuity is a contract between you and your insurance company. There are two phases of an annuity contract: the accumulation phase and the payout phase. In the accumulation phase, the insurance company either pays a fixed rate of interest for a specified period or credits your account value based on the performance of your investment allocations. In the payout phase, you may receive regular payments. Income on annuities isn't taxed until withdrawn from the contract, making annuities a good tool to help you save for retirement. Different types of annuities come with different levels of risk and reward. I can assist you in finding the best Allstate annuity to help you achieve your retirement savings goals..

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Other Types of Annuities

Additional fixed and variable annuity products—immediate, indexed and market value-adjusted annuities—are also available. Immediate annuities are designed to provide income payments within one year. Indexed annuities offer the growth potential of a variable annuity with less risk. Market value-adjusted annuities allow you to allocate your money over different guarantee periods and rates of interest. Each annuity product may also have other features, benefits and costs associated with them.

Variable Annuities

This annuity works in much the same way as a fixed annuity, but can offer greater flexibility. You choose how your money is allocated into variable subaccounts, which invest in stock, bond or money market mutual funds, or a combination of these funds. Here, the rate of return varies based on the performance of the underlying funds. With variable annuities, potential risks are higher than with a fixed annuity but the potential returns are also greater.

Fixed Annuities

This type of annuity provides a guaranteed interest rate for a fixed period of time. Here's how it works: You give an initial purchase payment to an insurance company, and they agree to pay you a guaranteed interest rate for a specified period. The interest rate paid by the insurance company may be periodically adjusted up or down, but it'll never go below the guaranteed rate. As a result, you'll always receive a guaranteed interest rate.

How can an Allstate Personal Financial Representative help?

I have the experience to help you define your financial goals and create an effective way to achieve them. If you would like to discuss Annuities, call me at (304) 263-4596

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Find out how to include Annuities in your financial plan. An Allstate Personal Financial Representative can help you explore your product options.

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Is an Annuity Right for You?

Know Your Annuity Distribution and Withdrawal Options

Distributions taken prior to annuitization are generally considered to come from the gain in the contract first. If the contract is tax-qualified, generally all withdrawals are treated as distributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax penalty.

A portion of each payment will be considered taxable, and the remaining portion will be a non-taxable return of your investment in the contract, which is also called the "basis". Once the investment in the contract is depleted, all remaining payments will be fully taxable. If the contract is tax-qualified, generally, all payments will be fully taxable. Payments taken prior to age 59½ may be subject to an additional 10% federal tax penalty.

Allstate does not provide tax advice. Please consult your tax advisor for specific information.

The death benefit payments are taxed to the beneficiary in the year they are received, as ordinary income to the extent of gain in the contract. If the contract is tax qualified, generally all payments will be fully taxable. Generally, the beneficiary may choose between receiving the death benefit in a lump sum, within 5 years of the owner’s date of death, or as an annuity over a period of time not to exceed the beneficiary's life or life expectancy.

Guarantees are subject to the claims-paying ability of the insurer.

Tracy L. Keefer is licensed to sell Allstate insurance products only in the state(s) of MD, OH, PA, VA, and WV. The material contained in this Web site is applicable only in the state of WV. If you do not reside in the state(s) of MD, OH, PA, VA, and WV, please go to the Find an Agent section on allstate.com to search for another Allstate representative.

This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.

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