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The Accumulator annuity advantage
An Accumulator fixed annuity plan from Harleysville Life offers several
key benefits that make it a significant part of your overall financial
planning. Whether the Accumulator annuity is an IRA or a non-qualified
plan, it offers these key benefits:
- Tax-deferred growth:
Taxes on the interest growth in an Accumulator fixed annuity are
deferred until you actually start withdrawing funds. This can add
significantly to the accumulating power of your plan.
- Competitive interest rates: Fixed
annuities like the Accumulator pay a current interest rate
that’s generally higher than what you’ll earn on a bank CD,
especially when you factor in the benefit of tax-deferred growth.
- Safety: The Accumulator
fixed annuity features a guaranteed minimum interest rate of 3
percent, eliminating the uncertainty of fluctuating rates based on
volatile investments.
- Guarantees: The
Accumulator’s current interest rate is guaranteed for one year,
locking in today’s rates and providing flexibility to participate in
higher rates after the initial one year guarantee.
- Access to funds: After the
first policy year, Accumulator features a cumulative 10 percent per
year withdrawal option, up to 50 percent of the account value, without
a contract surrender charge. (Please consult a tax advisor for
withdrawals prior to age 59-1/2.)
- Retirement
income:
Our Accumulator annuity can provide guaranteed retirement income for
the rest of your life, regardless of how long you live! Choose
the best plan for your retirement dollars!
Here’s a closer look at
how an Accumulator annuity from Harleysville Life measures up to a bank
certificate of deposit.
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