At American Financial And Retirement Services, we specialize in providing secure and reliable investment options tailored to your financial needs and goals. Our range of investment products includes life settlements, fixed index annuities, and more, designed to help you build a stable financial future.

Safety, so you never outlive your money

● Top rated A+ company _ AM Best, Fitch & S & P

● Avoid the risk of outliving your money

● Lifetime income, lifetime safety

● Inflation protection

● Protection from market risks

Fixed Annuities

We also offer a variety of fixed annuities, providing additional options for investors seeking stable and predictable income streams. Here’s what you need to know about our fixed annuity options:

A+ Rated Companies: Our annuities are issued by top-rated companies, some with a century-long track record of financial stability and reliability.Ratings by AM Best, Fitch & S & P.

Bonuses: Some of our annuity products come with temporary bonuses, providing an extra incentive for investors.

Penalty-Free Withdrawals: After an initial 12-month period, investors can make penalty-free withdrawals every year, offering flexibility and liquidity when needed.

Tax-Deferment. All investments are tax-deferred until you start making withdrawals.

Compound Interest. Your annuity can grow with compound interest.

Types of Fixed Annuities

1. Fixed Index Annuity (FIA): A Fixed Index Annuity offers the potential for growth linked to the performance of a market index, while providing downside protection. This allows investors to benefit from market gains without risking their principal investment. A Fixed Index Annuity is never directly in the stock market. With a Fixed Index Annuity, investors have multiple choices each year, with no downside risk.

2. Multi-Year Guarantee Annuity (MYGA): With a Multi-Year Guarantee Annuity, investors receive a fixed interest rate for a specified period, typically ranging from three to five years. This offers predictability and stability, making it an ideal choice for conservative investors.

3. Single Premium Immediate Annuity (SPIA): A Single Premium Immediate Annuity provides a guaranteed income stream starting one month after the investment. This option is suitable for investors seeking immediate income without worrying about market fluctuations.