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What is a 403(b)?

Protect your future with guaranteed income for the rest of your life. Speak with our financial experts today to find the best options for your financial situation.


Be 403(b) Certain 

Protect your future with guaranteed income for the rest of your life. If your Employer Pension offers you a gurantee, why shouldn't your 403(b) options be different? Ask JR Decanon Financial about your specific recommendations.

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What is an Annuity?

Annuities are contractually-executed, relatively low-risk investment products; the insured (usually, an individual) pays a life insurance company a lump-sum premium at the start of the contract. That money is to be paid back to the insured in fixed, incremental amounts, over some future time period (predetermined by the insured). The insurer invests the premium; the resulting profit/return on investment fund the payments received by the insured, and, compensate the insurer. 

Conventional annuity contracts provide a predictable, guaranteed stream of future income (e.g., for retirement) until the death(s) of the beneficiaries(s) named in the contract, or, until a future termination date – whichever occurs first. These financial instruments have been used to accumulate funds and provide significant and sudden increases in personal income (via future, lump-sum withdrawals), all while legally avoiding the taxes (e.g., income-, capital gains-, estate-) that would otherwise be assessed on them.

Immediate Annuities vs. Deferred Annuities

An Immediate Annuity is an insurance policy which, in exchange for a sum of money, guarantees that the issuer will make a series of payments. These payments may be either level or increasing periodic payments for a fixed term of years or until the ending of a life or two lives, or even whichever is longer.

A Deferred Annuity is a contract that is chiefly a vehicle for accumulating savings with a view to eventually distribute them either in the manner of an immediate annuity or as a lump-sum payment

Contact us to learn more about the right annuity for you.
(888) 604-6620​
El Centro, CA 92243
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Annuity Quote
Annuities provide guaranteed income for life

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  • Book a free consultation
  • Quotes
    • Life Insurance Quote >
      • Annuity Quote
    • Final Expense Insurance Quote
    • Medicare Supplement Coverage Quote
    • Critical Illness Insurance Quote >
      • Update Contact Info
    • Disability Insurance Quote
    • Service >
      • Policy Changes
      • Report a Claim
      • Contact My Carrier
    • Long Term Care Insurance Quote
    • Other Quotes
  • Home
  • Online Documents
  • About
    • Staff Directory
    • Client Testimonials >
      • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • News
  • Contact
  • Agent Login
  • Insurance
    • John Hancock Simple Term
    • Final Expense Insurance
    • Medicare Supplement Coverage
    • Annuities
    • Disability Insurance
    • Financial Planning
    • Critical Illness Insurance
    • Accidental Disability Insurance
  • Annuities
    • Life Insurance Direct
  • Annuity Quote
  • Credentials
  • Nassau
  • Life Insurance Direct
  • Book a free consultation
  • What is a 403(b)
  • No Hassle Life Insurance
  • Parrott & Associates Life Insurance Direct
  • MZ Book a free consultation