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Personal Annuities OverviewChecking Process Header

Lifetime Payment Opportunities
Opportunity for lifetime payments and provide a guaranteed death benefit for your beneficiaries
Backed by Issuing Insurance Company
Backed by the issuing insurance company and all guarantees are also backed by the claims paying ability of that insurance company
Tax-Deferred Earnings
No need to pay taxes on your earnings until you withdraw your money. Amounts withdrawn prior to age 59 ½ are generally subject to 10% federal income tax penalty as well as ordinary income taxes.
 
Securities offered through LPL Financial, Member FINRA / SIPC. Insurance products offered through LPL Financial or its licensed affiliates. IBC Bank and IBC Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.
Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Insured by Any Government Agency Not a Bank Deposit
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered: Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington. Please note that not all of the investments and services mentioned are available in every state.
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IBC Bank Investment - Fixed Annuity
Fixed Annuity

Conservative investments earning a fixed rate of return, much like a bank CD*, for a specified term, typically anywhere from 5-7 years. A deferred annuity is a long-term personal retirement account designed to help grow your assets, and provide a steady stream of income once you are retired.

  • CDs are FDIC insured and offer a fixed rate of return if held to maturity. Annuities are not FDIC insured.

 

* Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals made prior to age 59½ are subject to 10% IRS penalty tax. Surrender charges apply. Guarantees are based on the claims paying ability of the issuing insurance company.

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IBC Bank Investment - Equity Indexed Annuity
Equity Indexed Annuity
Fixed annuities that earn interest or provide benefits that are linked to an external equity index. Annuity helps protect against loss of principal and credited interest from market declines.
 
  • Equity indexed annuities are not suitable for all investors. Possible surrender charges and the combination of caps and participation rates associated with a particular product are factors that should be considered prior to purchasing an equity-indexed annuity. Equity indexed annuities are long-term, tax deferred investment vehicles designed for retirement purposes. Surrender charges, IRS taxes and penalties may apply. Early surrender from an equity indexed annuity may result in some loss of principal. Guarantees are based on the claims paying ability of the issuing insurance company and are not FDIC insured.
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IBC Bank Investment - Variable Annuity
Variable Annuity
Combines the features of both an insurance product and an investment product. Annuities allow customers to achieve tax-deferred wealth accumulation through a variety of variable sub-account options.
 
  • Variable annuities are long-term, tax deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component and carry insurance related charges. Withdrawals made prior to age 59½ are subject to 10% IRS penalty and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Investors should consider the investment objectives, risks, charges and expenses of the variable annuity contract and sub-accounts carefully before investing. The prospectus contains this and other information about the variable annuity contract and sub-accounts. You can obtain contract and underlying sub-account prospectuses from your financial representative. Read the prospectuses carefully before investing.
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IBC Bank Investment - Immediate Annuity
Immediate Annuity
Helps provide a secure and guaranteed* way to turn retirement savings into retirement income. Provides a secure, tax-advantaged way to receive income from assets. Income payments usually begin soon after the immediate annuity is purchased. Retirees often purchase a single premium immediate annuity with funds received from 401(k) plans, IRAs, saving accounts, the cash value or death proceeds from life insurance or the proceeds from the sale of a home.
 
  • Annuities are long-term, tax deferred investment vehicles designed for retirement purposes.

* Guarantees are based on claims paying ability of the issuer. Withdrawals made prior to age 59½ are subject to 10% IRS penalty and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal.