Annuity Investment Information - NJ & PA
We offer innovative and secure fixed and variable annuity investment
products that can help you accumulate savings for retirement or convert
your retirement savings into a series of guaranteed income payments
spread out over a specified period of time. An annuity offers unique
benefits such as tax deferral, flexible payout options, penalty-free
withdrawals, and can also help to dramatically reduce the chances of
outliving your savings
Guaranteed Income
An annuity can provide you with a guaranteed lifetime
income regardless of how long you live. No other
investment product can provide such a guarantee.

Unlimited Contributions
Unlike other tax-advantaged investments such as IRAs,
you can contribute an unlimited amount of money to an
annuity during the year, whether in periodic installments
or a lump sum. Individual insurance carriers may place
a ceiling on the total amount you can put into an annuity
without approval.

Bonus Rates
Some annuities award investors with bonuses at the
end of the annuity's first year such as extra interest that
further increases your investment.

No-Penalty Rollovers
Company pension or profit-sharing plan payouts may
be reinvested without incurring current taxes or
penalties.
Sunrise Retirement Solutions and Insurance Planning Services
offers experienced annuity investment services throughout southern
New Jersey and southeastern Pennsylvania, including Fixed Annuity,
Equity Indexed Annuity, Fixed Immediate Annuity, Variable Annuities,
and others.
Click on the link below to fill out a contact form for receiving more
information about these fixed annuity investment products. Or you
can speak with our Annuity Investment specialist toll free at
1-800-501-6199 to discuss the features in detail.
Annuity Advantages
SSL Secure
Click on one of the annuity
types below to learn more.
A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a
contract between you and an insurance company for a guaranteed interest
bearing policy with guaranteed income options. The insurance company
credits interest, and you don't pay taxes on the earnings until you make a
withdrawal or begin receiving an annuity income. Because fixed annuities
invest your premiums in interest bearing obligations, you receive a lower
return in comparison to equity indexed annuities, since interest rates
historically trail stock market returns.
Tax Deferred Annuity Advantages - Savings
Many people today are using a tax deferred annuity as the foundation of their
overall financial plan. The most important difference between an annuity and
CD's is that annuities allow for the deferral of the taxes due on the interest
earned until the interest is withdrawn. By postponing the taxes your money
compounds faster because you can earn interest on dollars that would have
otherwise been paid to the IRS. Later, you can decide to take a monthly
income and your taxes will be less because they were spread out over a
period of years. Similar to CD's, an annuity has a penalty for early surrender,
but most annuity contracts have a liberal free withdrawal provision.
Tax Deferred Annuity Advantages - Taxes
You pay no taxes while your money is compounding. You can also pay a
lower tax on random withdrawals because you control the tax year in which
the withdrawals are made and only pay taxes on the interest withdrawn.
Click on the link below to fill out a contact form for receiving more information
about Tax Deferred Fixed Annuities. Or you can speak with our annuity
specialist toll free at 1-800-501-6199 to discuss the features in detail.
SSL Secure
A fixed immediate annuity, also referred to as a fixed payment annuity, provides
you with a stream of income payments from your original purchase payment. The
amount of your income payouts is determined by the guaranteed interest rate and
the payout option you select. A fixed immediate annuity can begin benefit
payments as early as one month and no later than 13 months from the date of
purchase and is intended for investors who need a guaranteed income stream to
begin soon.
Click on the link below to fill out a contact form for receiving more information about
Immediate Fixed Annuities. Or you can speak with our annuity specialist toll free at
1-800-501-6199 to discuss the features in detail.
SSL Secure
An equity indexed annuity offers you what could be described as the best of both
worlds: a market driven investment with potentially strong returns, plus a
guaranteed minimum return. Equity indexed annuity returns are tied to indexes of
market activity and not to the performance of individual stocks or funds.
The equity indexed annuities we offer are tied to the following: S&P 500, Dow
Jones Index Acct., S&P MidCap 400, NASDAQ, and the Russell 2000.
A equity indexed annuity will guarantee you a minimum interest rate (often
about 3% on 90% of your investment) while offering the potential of higher rates
by tying your return to an index such as the ones mentioned above.

While similar to investing in the stock market, you won't take part "dollar for
dollar" in a rising stock market. You are offered a percentage of how much the
index gains over a period of time (not including dividends, which accounted for
about 30% of the total return of the S&P 500 for the last 20 years) and a
guaranteed minimum return if the stock market declines.
Click on the link below to fill out a contact form for receiving more information
about Equity Indexed Annuities. Or you can speak with our annuity specialist
toll free at 1-800-501-6199 to discuss the features in detail.
SSL Secure
**The information, pictures, and other content in this website about particular insurance
services or financial services is only provided for informational purposes. Any decisions
regarding your insurance and financial needs should be discussed with a licensed
insurance agent or financial professional.
Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Your Philadelphia Area Employee Benefits Specialist
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
Answer a few questions
and we will provide you
with an insurance quote by
phone or email. Choose
the New Jersey or
Pennsylvania business or
personal insurance
coverage you're interested
in from the menu above.
Sunrise Retirement Solutions and
Insurance Planning Services, LLC
Copyright 2005 - 2008 All rights reserved
Employee Benefits
Personal Insurance
Annuities
No probate in case of death, as long as you specify
beneficiaries.
Which means your family will find it easier and less costly to obtain
the value of the annuity.

Shelter Investment Earnings
Retired people can use annuities to shelter investment earnings that
would otherwise lead to taxation of Social Security benefits.
We are a greater Philadelphia, PA area insurance services agency, offering
experienced annuity investement services in the following New Jersey cities and
counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede,
Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside,
Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro, Woodlynne,
Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville Grove, Colonial Manor,
Red Bank, National Park, Thorofare, Gibbstown, Bridgeport, Penns Grove,
Almonesson, Fairview, Grenloch, Hurffville, Turnersville, Erial, Pine Hill, West Berlin,
Clementon, Barrington, Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua,
Centre City, Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro, Ewan,
Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury, Clarksboro,
Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell, Auburn, Yorktown,
Pedricktown, Pennsville, Vineland, Millville, Gloucester County, Burlington County,
Salem County, and Camden County, NJ. We also offer annuity investment services
throughout southeastern Pennsylvania, including in Upper Darby, Drexel Hill, Yeadon,
Sharon Hill, Collingdale, Darby, Folcroft, Lansdowne, Norwood, Prospect Park,
Glenolden, Havertown, Colwyn, Chester, Cheltenham, Montgomery County, Bucks
County, Delaware County, and Philadelphia County, PA.
Investing in stocks, bonds, mutual funds and variable annuities does
not guarantee a profit. All of these investments can lose money.
Stocks, bonds, mutual funds and variable annuities are not FDIC
insured.