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An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Unlike most savings plans, an annuity accrues interest tax-deferred until you choose to withdraw.

Sky Vision, a insurance agency that can help you determine whether an annuity is appropriate for you. Considerations to be included are: age, income, net worth, tax status, insurance needs, financial objectives, liquidity needs, time horizon, risk tolerance, and any other applicable information. Together, we can decide not only whether an annuity is right for you, but also which kind of annuity is right for you specifically.



Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. Annuities may be subject to taxation during the income or withdrawal phase. Neither Sky Vision, nor any agents acting on its behalf, should be viewed as providing legal, tax or investment advice. You should rely on your own qualified adviser.

Fixed Index Annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. They may not be appropriate for all clients.

Sky Vision Insurance/Li David, CA License Number 0G00707/0F58914, does not provide tax legal or investment advice. You should consult with and rely on your own qualified advisor. Sky Vision Insurance/Li David are licensed to do business in California.