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Annuities
Offered by PNC Investments
Annuities are contracts with insurance companies designed to help meet retirement and other long-range goals by providing a steady stream of income. PNC Investments can help assess whether an annuity is appropriate for you.
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Overview
- Contracts with insurance companies designed to help meet long-range goals by providing a steady stream of income
- Investors make lump-sum payments or a series of payments over time, then receive payments from the insurance company in return
- Annuities allow for tax-deferred growth of your investment during the “accumulation” phase, then make periodic payments to you during the annuitization, or “payout,” phase
- You decide the length of time you’d like to invest, as well as the frequency and duration of the payouts
- Income payments can be structured for a term as short as three years or for as long as a lifetime
- Contracts can be tailored to your risk tolerance and your need for income now or in the future
- Frequently used for retirement planning
- Can also be arranged to provide income and benefits for loved ones
- All annuities are subject to the claims-paying ability of the issuing insurance company
Additional Information
Pricing & Fees
For customized pricing and fee information, please contact PNC Investments.
Annuity Types
Immediate
For investors looking to generate immediate income
- Pay one single premium
- Once the income starts, it continues for life or for a specified period of time
- A specified interest rate lasts for the duration of the payout period
Fixed-Deferred
For conservative investors looking to supplement retirement income, provide income for a spouse or heirs, or bridge an income gap
- Pay one single premium, or several flexible premiums
- Principal investment grows tax-deferred
- Fixed crediting rate is determined by the insurance company
- Cash value is available for withdrawal, if needed (though may be subject to surrender fees)
- Death benefit is paid tax-free to named beneficiaries during the cash accumulation phase
Indexed
For moderate to aggressive investors – limited upside potential and no direct market exposure
- Pay one single premium, or several flexible premiums
- Offers downside protection in the event of market decline
- Crediting rate based on market movement of an underlying equity index
- For an additional cost, optional income riders allow for income generation without depleting the principal investment
- Death benefit is paid tax-free to named beneficiaries during the cash accumulation phase
Variable
For moderate to aggressive investors – tax-deferred market exposure to maximize income potential in retirement, or provide income for a spouse or heirs
- Pay one single premium, or several flexible premiums
- Provides a deferred income stream and may keep pace with inflation, potentially enabling higher returns over time
- Unlimited growth potential and unlimited downside risk
- Cash value is available for withdrawal, if needed (though may be subject to surrender fees)
- For an additional cost, optional income riders allow for income generation without depleting the principal investment
- Death benefit is paid tax-free to named beneficiaries during the cash accumulation phase
Understanding Asset Allocation
Determining the mix of investment types is one of your most important tasks as an investor.
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PNC Investments professional will get in touch with you.
Associated Products & Services
The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset ManagementSM:
Important Legal Disclosures and Information
This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.
Important Investor Information: Brokerage and insurance products are:
Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value
Securities products, brokerage services and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.
View the PNC Investments Business Resiliency Planning Customer Disclosure.
This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.
This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.
PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.
PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
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