Traditional Fixed Rate and Immediate Annuities - Licensed Life Agents Only

You will have access to unique products and veteran specialists in the Fixed Annuity field.
Contracting, rates and case design assistance.

Need A Quote - Click Here Or Call 800-373-9697

Saving for Retirement
Guarantees Accumulation

Multi-Year Guarantee Deferred Annuities

Immediate Income for Retirement
Guaranteed Income Withdrawals

Single Premium Immediate Annuities

Minimum Premium To Start:

Minimum Premium To Start:


Guaranteed Rates To Term
No Surrender 1.65%
1 Year Closed
2 Year Closed
3 Year 3.10% | 3.10% | 2.90% | 3.00%  
2.90% A rated | 2.85% | 2.35% NY
4 Year 3.25% | 3.20% | 3.00%
5 Year 4.00% | 4.00% | 3.75% | 3.75% | 3.50%  3.50% | 3.55% | 3.40% | 3.20% | 3.35%
6 Year 4.10% | 3.65% | 3.65% | 4.12%
7 Year 4.10% | 4.19% | 3.74% | 3.50%
3.80% | 3.25%
8 Year 3.95%
9 Year 3.45% | 3.85%
10 Year 4.20% | 4.30% | 3.50% | 3.45%
NY Rates 3.05% for 5 | 3.15% For 7
Flexible 4.05% Year 1  | Flex 10 | 5 Year

LTC Annuity

6 Year | 8 Years
Rates as of 1/0/2019 and are subject to change.

For Immediate and Guaranteed Income
No insurance product beats the SPIA!


Non Qualified | Qualified | QLAC | Exclusion Ratios|  Liquidity 
Single Life |  Joint Lives | Period Certain | Increasing payments
Deferred Start DIA | Split Annuity | Medically Underwritten
Immediate Annuity Commission | Dispelling The SPIA Myths


Basic Features:

- Select an initial rate guarantee
 period from 0 - 10 years**
Current rates

- No less than contractual minimum
 interest rate after initial guarantee

- Interest earned is tax deferred
 until withdrawn, in most cases

- Know exactly how much you will earn from
day one, no assumptions just guarantees

Basic Features:

- Income payments are guaranteed for
single life, joint lifetimes or a set 
period from 5 - 30 years**

- Payments may be set up as monthly, 
quarterly, semi annually or annually

- A portion of payments may be tax excluded

- Beneficiary guarantees such as a full refund
 of premium or guarantee a gain through an added
 long term period certain option


- Surrender penalty may apply if a 
contract is surrendered or withdrawals
exceed the contractual free amount

- If a contract is surrendered a market
value adjustment may apply, adjusting the
surrender value based on current rates

- Interest rate is net of all internal fees
no added upfront or annual fees


- Some immediate annuities offer liquidity
a surrender penalty may apply if the
contract is commuted or surrendered

- Income payments are net of all fees
no added upfront or annual fees

- A few states charge a premium tax
the tax is priced into payment

- No charge direct deposit of payments

Learn more:

Request a quote online

- Call us 800.373.9697

- Visit us in Tarzana, CA

Learn more:

Request a quote online

- Call us 800.373.9697

- Visit us in Tarzana, CA

**Guarantees are subject to the claims-paying ability of the issuing insurance company.
*Restrictions may apply. Please refer to product materials for additional details.
*Not available in all states and variations may apply by state.

Agent Services - Company Appointment

100% Independent Agency. We believe in Quality, Integrity and Expertise.
We have always focused on the GUARANTEES not the assumptions!

Agent Appointment - FIXED ANNUITY  
Agent Appointment - LIFE INSURANCE 

Agency Levels

Request Illustrations For Fixed Annuity Or Life

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Fixed Indexed Annuities 

The potential to earn higher than fixed rates!

Quotes On FIA - Multiple Carrier Available  - Click For An illustration! | Click For Carriers

Top Pick FIA's - 5 Year FIA - Details | 7 Year 8.25% Cap Details

Standard Insurance - Details

Great American Life - Outstanding FIAs - Great American Contracting

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Contact Information

Requests for product information, annuitization illustrations and other
annuity marketing support please contact our Sales Department.

Still Family Owned & Operated. Designed For FSD Agent Use Only. 800-373-9697.

On-Line Since 1995

5530 Corbin Avenue Suite 101
Tarzana, CA 91356

Insurance Agents One-Stop Fixed Annuity and Life Shop!

Managing general agency is FSD Financial Services | CA Insurance License #0B67385 | Since 1996
Non Resident Licenses 

Visit Us and Ask Any Question You Like And Learn Little Known Industry Insight From A Veteran Wholesaler!
Locally serving the San Fernando Valley, Hidden Hills, Woodland Hills, Calabasas, Malibu, Agoura Hills, Westlake Village, 
Thousand Oaks, Simi Valley, Encino, West Hills, Chatsworth, Oak Park, Oxnard, Northridge, Camarillo, Carpinteria, 
Laguna Woods, Montecito, Porter Ranch, Beverly Hills, Santa Barbara and Ventura

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Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59& are generally subject to a 10% IRS penalty tax. FSD Financial Services does not offer tax advice. For specific tax information, consult your attorney or tax advisor. Product and feature availability, as well as benefit provisions can vary by state. Contact an FSD annuity expert professional for company specific product details and limitations. Log in

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Updated 01/18/2019