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Annuities in Las Vegas NV & Henderson NV

Keep Your Financial Resources Protected.

Advance Insurance & Benefits understands the value of saving for and investing in your future. If you’re like many Americans, you work diligently each day and take the right steps to ensure that you’ll be supported with a comfortable income after you retire. That’s why it’s smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income.

The last thing you’ll want to experience as a retiree is a loss of your financial resources. With an Annuity from Advance Insurance & Benefits, you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.

Types of Annuities

Advance Insurance & Benefits can offer two types of Annuities: Deferred and Immediate Annuities.

Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments.

Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.

Understand Your Investments

An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity’s value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.

Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You’ll have to pay income tax on the withdrawal, and if you’re not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.

An annuity is sold by an insurance company, and the annuity’s guarantees and protections are subject to that company’s ability to pay for them. However, this doesn’t apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.

An annuity is sold by prospectus, a document that describes the annuity’s objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.

It’s important to discuss your options with a specialist at Advance Insurance & Benefits who is committed to helping you make the right decisions.

Before investing, understand that annuities are not insured by the FDIC, NCUSIF or any other federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the depository institution where offered or any of affiliates. Annuities that involve investment risk may lose value. Guarantees and protections are subject to the claims paying ability of the issuing insurance company.

Our Locations

Rainbow & 215

6290 S Rainbow Blvd
Las Vegas, NV 89118
Main office: 702-728-4447

Cesar Hernandez Agency

6835 S Eastern Ave, Ste 100
Las Vegas, NV 89119
Main office: 702-500-1191

Gilberto Cepeda Agency

2668 N Las Vegas Blvd Ste 104
N Las Vegas, NV 89030
Main office: 702-500-1158

Helen Sea Agency

2685 S Rainbow Blvd, Ste 223
Las Vegas, NV 89146
Main office: 702-500-1263

Marleen Hayashi Agency

2470 St Rose Pkwy Ste 215
Henderson, NV 89074
Main office: 702-500-1276

Rainbow & 95

132 S Rainbow Blvd
Las Vegas, NV 89145
Main office: 702-500-1301

Sandhill & E Flamingo

4130 S Sandhill Rd Ste A10
Las Vegas, NV 89121
Main office: 702-712-4207

South Arville Street Location

4620 S Arville St Suite A
Las Vegas, NV 89103
Main office: 702-816-2108

Spring Mountain Road Location

6145 Spring Mountain Rd Suite 105
Las Vegas, NV 89146
Main office: 702-460-7628

Vanna Tran Agency

5700 Spring Mountain Rd Ste K
Las Vegas, NV 89146
Main office: 702-500-1291

Wannee Piedmont Agency

4510 W Charleston Blvd
Las Vegas, NV 89102
Main office: 702-500-1260

Our Providers

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.