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FAQ - Retirement: Stocks/Annuities

Q: With the current fluctuation in the stock market, what else can I do to create a financially secure retirement?

A: Annuities are a good choice if you're investing with your retirement security in mind.

Annuity features and benefits
Financial comparison chart -- including stocks, bonds, mutual funds, etc.



Features and Benefits

A deferred annuity from Farm Bureau Life Insurance Company of Michigan can help, with features like:
Guaranteed Income Annuities provide a steady future income that cannot be outlived, with a choice of income options.

Tax-deferred growth Your funds are protected from the erosion you normally experience with taxable investments like CDs, stocks, corporate bonds, and money market funds.

Guarantee of principal The money you pay into an annuity with Farm Bureau Insurance is always guaranteed, regardless of what happens in the market.

Competitive interest rates You'll find our interest rates attractive when compared to that of many other financial vehicles, especially considering the benefit of tax-deferred growth.

Survivor Benefits Your beneficiary receives the full value of the account with no company charges and no probate costs.



Financial Comparisons

Take a look at how other investments compare to Farm Bureau Life's portfolio of deferred annuities. If you're concerned that your current investment strategies won't be sufficient to provide the type of retirement you desire, contact your Farm Bureau Insurance agent to find out more about the full line of annuity products we have to offer.

Mutual Funds vs. Farm Bureau Life Deferred Annuities
Corporate Bonds vs. Farm Bureau Life Deferred Annuities
Treasuries vs. Farm Bureau Life Deferred Annuities
Stocks vs. Farm Bureau Life Deferred Annuities
Money Market Funds vs. Farm Bureau Life Deferred Annuities
CDs vs. Farm Bureau Life Deferred Annuities

Feature/Benefit Mutual Funds Farm Bureau Life Def. Annuities
Safety of Principal   X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth   X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X


Feature/Benefit Corporate Bonds FB Life Def. Annuities
Safety of Principal   X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth   X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X


Feature/Benefit Treasuries FB Life Def. Annuities
Safety of Principal X X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth X X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X
Feature/Benefit Stocks FB Life Def. Annuities
Safety of Principal   X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth   X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X


Feature/Benefit Money Market Funds FB Life Def. Annuities
Safety of Principal X X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth   X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X


Feature/Benefit CDs FB Life Def. Annuities
Safety of Principal X X
Tax-Deferred Accumulation   X
Avoid Taxes on Social Security Benefit   X
Guaranteed Growth X X
Competitive Return X X
Lifetime Income   X
Guaranteed Survivor Benefits   X
Avoids Probate   X

Not intended as tax advice. Consult your personal tax consultant for information on your particular situation. For additional product benefits and limitations, contact your Farm Bureau Insurance agent.


Find out more about our full line of annuity products


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