Phone: 1.248.363.6220   ~   Email: gfkroll@comcast.net  

Annuities and IRA

Retirement Options – What’s Best for You

As in the name, Annuities & Insurance-GF Kroll Agency, LLC, we keep it simple and straightforward.  Our main focus is on fixed annuities and IRAs that provide a guaranteed rate of return and NOT at stock market risk.

The traditional fixed annuities and IRA's do not have any fees or administrative charges as 100% of your contributions immediately start earning a competitive interest rate.


In addition, we can offer fixed-indexed products with benefit riders. Some fees may apply.

We will talk to a prospective client about annuity suitability, products and options. Ask about our short term and long term surrender charge period that may fit your financial needs.  We offer solutions with a combination of retirement objectives. 


www.fixedannuityfacts.org

Fraternal Benefits

The Fraternal Benefit Societies that we represent have what is known as fraternal benefits, at no cost to the member.  Surrender charges are waived on terminal illness expenses and / or nursing home confinement expenses.  Depending on the company, surrender charges are waived on catastrophic medical expenses on the annuitant and / or spouse.  There are no surrender charges if death shall occur.

Should there not be a medical need and you want to take an annual withdrawal you may do so.  Depending on which company, you are allowed each contract year a 10% or 15% penalty-free withdrawal.

For all annuities, any withdrawals of tax-deferred earnings are subject to current income tax and, if prior to age 59 1/2, may be subject to a 10% Federal Tax Penalty.  Consult with your tax advisor.


www.fraternalalliance.org


Financial Stability - Low Risk

Looking for a stream of income?  We can give you options on income for a specific amount of years or, lifetime! Other deferred income options are available.

www.standardanalytical.com


Planning Ahead - Children and Grandchildren

Coverdell Education Savings Account - Competitive interest rates and not at market risk.

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