Annuities

An annuity is a contract between you—the investor—and an insurance company. Generally, each annuity offers a choice of underlying investments. You agree to pay the insurance company a single or series of payments and in return the insurance company agrees to pay you an income, starting immediately or at a date specified by the contract holder. Investment earnings compound tax-deferred until you withdraw them. Annuities typically do not have a legal limit on how much you may invest each year and you may invest as often as you wish.

Associated Investment Services offers two basic types of annuities for your investment goals.

Fixed Annuity Contracts
Fixed means that the money earns a "fixed" rate of interest rate for a stated period of time. After the initial period ends, the interest rate can change based on market conditions at the time of renewal. The terms of the contract will dictate the period of time the rate is "fixed." The issuing company guarantees the interest and principal against loss.

Variable Annuity Contracts
A variable contract indicates that the money is invested similar to a mutual fund. The client has the option to choose among various investment products such as stocks, bonds, or money market funds. Usually, an individual will select options based on the preferred level of risk and return. The value of the contract will fluctuate based on the market value of the underlying securities.

Associated Investment Services offers both fixed and variable annuity options. In addition to strategic partnerships with John Hancock and Glenbrook, AIS also offers several annuities which boast management by Associated’s in-house investment staff.

Deciding which type of annuity product suits your needs can be a daunting challenge. Associated Investment Services offers the knowledge and expertise you need to make the annuity decision. Our professional, licensed representatives are prepared to effectively outline your specific goals to determine the best scenario for your present and future financial needs.

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Securities and insurance products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp ("AB-C") or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE.