Annuities

PFA Flexible
Premium Annuity
- 9 Year

Earn 6.25% first year!*

The PFA Flexible Premium Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

  • Minimum deposit to begin is $1,000
  • Issue ages 18-85
  • Interest accumulates on a tax-deferred basis
  • Additional contributions can be made up to $25,000 per year
  • Up to 10% of your account balance may be withdrawn each year with no penalty
  • Avoids probate
  • No administration fees
  • Interest rate is subject to change, but not less than the minimum guaranteed rate
  • Surrender term – 9 years
  • Plans can be used to open a Traditional Qualified-IRA or Roth IRA

*Conditions apply. The first year declared interest rate is guaranteed for the first contract year only. After the first year, the interest rate is based on the 9-Year Flexible Premium Deferred Annuity Rate (currently this rate is 5.0%). The minimum guaranteed interest rate for the contract is 2.75%. Polish Falcons of America and its agents do not provide tax, legal or investment advice. Products may not be available in all states.

PFA Flexible
Premium Annuity
- 5 Year

Earn 5.75% first year!*

The PFA Flexible Premium Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

  • Minimum deposit to begin is $1,000
  • Issue ages 0-85
  • Interest accumulates on a tax-deferred basis
  • Additional contributions can be made up to $25,000 per year
  • Up to 10% of your account balance may be withdrawn each year with no penalty
  • Avoids probate
  • No administration fees
  • Interest rate is subject to change, but not less than the minimum guaranteed rate
  • Surrender term – 5 years
  • Plans can be used to open a Traditional Qualified-IRA or Roth IRA

*Conditions apply. The first year declared interest rate is guaranteed for the first contract year only. After the first year, the interest rate is based on the 5-Year Flexible Premium Deferred Annuity Rate. Polish Falcons of America and its agents do not provide tax, legal or investment advice. Products may not be available in all states.

PFA Safeguard
CD Annuity

Plan Options:

  • 2 year surrender – current interest rate of 4.50%
  • 3 year surrender – current interest rate of 4.65%

The PFA Safeguard CD Annuity offers a guaranteed fixed interest rate for a chosen period of 2 or 3 years. That means the interest rate will not change during that time.

  • Minimum deposit is $5,000
  • Issue ages 0-90
  • No additional contributions are allowed during the accumulation period
  • No administration fees
  • Withdrawal of funds prior to maturity is subject to surrender charges

PFA Starter
Annuity

Current Crediting Rate: 2.75%

The PFA Starter Annuity pays a competitive interest rate, and has a minimum interest rate that is guaranteed as long as your contract stays in force.

  • Minimum deposit to begin is $500
  • Issue ages 18-90
  • Interest accumulates on a tax-deferred basis
  • Additional contributions can be made up to $25,000 per year
  • Up to 10% of your account balance may be withdrawn each year with no penalty
  • Avoids probate
  • No administration fees
  • Interest rate is subject to change, but not less than the minimum guaranteed rate
  • Surrender term – 9 years

Individual Retirement
Account

Annuities can be set up as Individual Retirement Accounts.

IRA – Contributions to an IRA are set aside on a pre-tax basis. The interest in your account grows tax-deferred, which means you only pay taxes when funds are withdrawn. In addition, deposits to an IRA may be tax-deductible depending on your circumstances. When you reach 59 ½ years of age, you can access your money without any IRS penalties.

Roth IRA – Contributions to a Roth IRA are made in after-tax dollars, which means you pay taxes up front. You can withdraw your contributions at any time, for any reason, without tax or penalty. Earnings in your account grow tax-free, and there are no taxes on qualified distributions.

We strongly suggest you seek the advice of a tax specialist before making a decision about an IRA, Roth IRA or regular annuity account.

Information regarding PFA Annuities

For more, please contact John Denning at 800-535-2071 or
by email at jdenning@polishfalcons.org.