Welcome to Phinehas Insurance LLC
Phinehas Insurance, LLCPhinehas Insurance, LLCPhinehas Insurance, LLC
+1 (301)708.1277
Suite 500-L2, Laurel, MD 20708

Annuities and Retirement Plans

Fixed Indexed Annuity

A fixed index annuity is an insurance contract that provides the policyholder with income in retirement. With a fixed index annuity, payments are based on the returns of a stock market index, like the S&P 500 or the Dow Jones Industrial Average. Unlike directly investing in the stock market, FIA is generally protected against losses—in exchange, policyholder’s total returns will be limited, and the contract may charge additional fees.

We ensure that our clients lead a quality life and do not compromise on their living standards after they retire from their jobs, which is why we offer multiple annuities and Retirement plans to help our clients live a financially independent lifestyle.

 

Benefits of Fixed Indexed Annuity
Limit on your losses. During big market downturns, you don’t have to worry about large losses with a fixed index annuity.
Possible guarantees for your earnings. An index annuity could pay a guaranteed minimum return, even when the market index loses money. It may also lock in your earnings over time to protect you from even greater losses.
Inflation protection. The long-term expected return on a fixed index annuity is higher than other guaranteed accounts, like a fixed annuity or a Certificate of Deposit (CD). This can help grow your savings more than inflation.
Tax-deferred growth. An annuity delays taxes on your gains until you take the money out, much like an individual retirement account (IRA) or 401(k). This can help boost your after-tax return over comparable money held in a regular brokerage account. This tax-advantaged status, however, also opens you up to a 10% penalty if you need to withdraw from your annuity before age 59 ½.
Generational Wealth Information A+ Rated

Building your generational wealth can start from today. Growing cash value is an essential component of permanent life insurance.The savings component of your permanent life insurance can be invested; additionally, the policyholder can access the cash while alive, by either withdrawing or borrowing against it, when needed.

We are here to give you and your loved ones the information you need to enable you to make an informed decision. No matter what your circumstances are, we are ready to work with you to determine what is right for your situation and help direct you to other resources that may be available for your individual need

We partner with A+ rated Life Insurance Companies to ensure stability of your asset that will create a generational wealth and peace of mind.

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Brochures

View our 2020 Medical prospectus of brochure for an easy to read guide on all of the services offer.
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Characteristics

We offer our patrons reliable financial stability in their later years of life in order to ensure their peace of mind and longevity. We understand the pain and effort it takes to say farewell to a career that you invest almost all your life into, without being adequately compensated for all the hard work. We want to ensure that our clients lead a quality life and do not compromise on their living standards after they retire from their jobs, which is why we offer multiple annuities plans to help our clients live a financially independent lifestyle.

Retirement Planning

Phinehas LLC has great retirement plans that help our senior clients live a stress free life post-retirement. We have curated a series of retirement options that asks for little contributions while you are employed and returns a significant amount on your retirement. With our retirement plans, a vacation home at the Bahamas after retirement would no longer be a dream.

Annuities and retirement plan

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