A bonus annuity may offer an upfront first-year credit, indexed interest potential linked to benchmarks such as the S&P 500 and Nasdaq 100, and protection from direct market losses. Some contracts also include living benefits and a limited annual withdrawal provision. Before investing, review the guaranteed values, bonus vesting schedule, participation rates, caps, spreads, surrender charges, tax considerations, and withdrawal impact. Ask for a personalized illustration and confirm that all guarantees are backed by the issuing carrier’s claims-paying ability. Call or PM Glenn at 707-970-7315 for details.
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