We are your local Chicago, Illinois area insurance agency, offering experienced annuity investment
services to the following cities and counties: St. Charles, Geneva, Batavia, Chicago, Lafox, Elburn,
Mooseheart, De Kalb, Virgil, Maple Park, Burlington, Kaneville, Cortland, Sycamore, Hampshire, Big
Rock, Hinckley, Wasco, Lily Lake, Valley View, South Elgin, Wayne, Aurora, Naperville, Montgomery,
Warrenville, Moecherville, Winfield, Wheaton, Carol Stream, Bartlett, Streamwood, Glen Ellyn, Lisle,
Glendale Heights, Hanover Park, Elgin, Ontarioville, Keeneyville, Bloomingdale, Medinah, Roselle,
Schaumberg, Hoffman Estates, Carpentersville, Udina, Huntley, Gilberts, West Dundee, Barrington, Cary,
Palatine, Lake Zurich, Libertyville, Wauconda, Inverness, Elk Grove Village, Itasca, Addison, Lombard,
West Chicago, Villa Park, Elmhurst, Oak Brook, Highland Hills, Downers Grove, Woodridge, Bolingbrook,
Darien, Oswego, Yorkville, Sugar Grove, Joliet, Romeoville, Algonquin, Buffalo Grove, Arlington Heights,
Roling Meadows, Mount Prospect, Des Plaines, Bensenville, Homer Glen, La Grange, Northbrook, Skokie,
Evanston, Cicero, Berwyn, Oak Lawn, Burbank, East Chicago, Waukegan, Mundelein, Deerfield, North
Chicago, Newark, Sheridan, Morris, Ottawa, Sandwich, Serena, Waterman, Rochelle, Marengo, Oak
Lawn, Englewood, Calumet Park, Roseland, Landsing, Dolton, Calumet City, South Holland, Riverdale,
Glenwood, Chicago Heights, South Shore, Burnham, Oak Forest, Bedford Park, Hazel Crest, Alsip, Palos
Hills, South Chicago Heights, Orland Park, Kane County, McHenry County, Dupage County, Kendall
County, De Kalb County, Will County, Lake County, and Cook County, IL. We also offer annuity
investment services throughout the state of Illinois, including in Moline, Rockford, Peoria, Springfield,
Bloomington, Decatur, and Champaign.
Annuity Investment Information - Illinois
Bonus Rates
Some annuities award investors with bonuses at the end of the annuity's first
year such as extra interest that further increases your investment. Bonus rate
products may impose higher fees and charges and longer surrender periods
than contracts that do not provide the bonus feature.

No-Penalty Rollovers
Company pension or profit-sharing plan payouts may be reinvested without
incurring current taxes or penalties.
Annuity Advantages
Click on one of the annuity
types below to learn more.
Akey Financial Services offers experienced annuity services throughout
Illinois, including Fixed Annuity, Equity Indexed Annuity, Fixed
Immediate Annuity, and others.
Click on the link below to fill out a contact form for receiving more
information about these fixed annuity products. Or you can speak with
our Financial Services specialist toll free at (877) 232-9899 to discuss
the features in detail.
No probate in case of death, as long as you specify beneficiaries.
Which means your family will find it easier and less costly to obtain the
value of the annuity.

Shelter Investment Earnings
Retired people can use annuities to shelter investment earnings that would
otherwise lead to taxation of Social Security benefits.
A fixed tax deferred annuity, also referred to as a tax-deferred annuity, is a contract between you
and an insurance company for a guaranteed interest bearing policy with guaranteed income options.
The insurance company credits interest, and you don't pay taxes on the earnings until you make a
withdrawal or begin receiving an annuity income. Because fixed annuities invest your premiums in
interest bearing obligations, you receive a lower return in comparison to equity indexed annuities,
since interest rates historically trail stock market returns.
Tax Deferred Annuity Advantages - Savings
Many people today are using a tax deferred annuity as the foundation of their overall financial plan.
By postponing the taxes your money compounds faster because you can earn interest on dollars
that would have otherwise been paid to the IRS. Later, you can decide to take a monthly income
and your taxes will be less because they were spread out over a period of years. An annuity has a
penalty for early surrender but most annuity contracts have a limited withdrawal provision that
permits the contract owner to withdraw a certain percentage each year without a surrender charge.
Tax Deferred Annuity Advantages - Taxes
You pay no taxes while your money is compounding. You can also pay a lower tax on random
withdrawals because you control the tax year in which the withdrawals are made and only pay taxes
on the interest withdrawn.
Click on the link below to fill out a contact form for receiving more information about Tax Deferred
Fixed Annuities. Or speak with our Financial Services specialist toll free at (877) 232-9899 to
discuss the features in detail.
A fixed immediate annuity, also referred to as a fixed payment annuity, provides you with a stream of
income payments from your original purchase payment. The amount of your income payouts is
determined by the guaranteed interest rate and the payout option you select. A fixed immediate
annuity can begin benefit payments as early as one month and no later than 13 months from the date
of purchase and is intended for investors who need a guaranteed income stream to begin soon.
Click on the link below to fill out a contact form for receiving more information about Immediate Fixed
Annuities. Or speak with our Financial Services specialist toll free at (877) 232-9899 to discuss the
features in detail.
An equity indexed annuity offers you a guaranteed minimum return with the potential to earn additional
interest based on the performance of a securities market index. Equity indexed annuity returns are tied
to indexes of market activity and not to the performance of individual stocks or funds.
The equity indexed annuities we offer are tied to the following indexes: S&P 500*, Dow Jones Index
Acct.*, S&P MidCap 400*, NASDAQ*, and the Russell 2000*.
A equity indexed annuity will guarantee you a minimum interest rate (often about 3% on 90% of your
investment) while offering the potential of higher rates by tying your return to a portion of the return of
an index, such as the ones mentioned above.

You are offered a percentage of how much the index gains over a period of time (not including
dividends, which accounted for about 30% of the total return of the S&P 500 for the last 20 years) and
a guaranteed minimum return if the stock market declines.
Click on the link below to fill out a contact form for receiving more information about Equity Indexed
Annuities. Or speak with our Financial Services specialist toll free at (877) 232-9899 to discuss the
features in detail.
**The information, pictures, and other content in this website about particular insurance services or
financial services is only provided for informational purposes. Any decisions regarding your insurance
and financial needs should be discussed with a licensed insurance agent or financial professional.
Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit.
All of these investments can lose money. Stocks, bonds, mutual funds and variable annuities
are not FDIC insured.
Guaranteed Income
An annuity can provide you with a guaranteed lifetime income regardless of
how long you live. Guarantees are limited to the claims-paying ability of the
issuer.

Unlimited Contributions
Unlike other tax-advantaged investments such as IRAs, you can contribute
an unlimited amount of money to an annuity during the year, whether in
periodic installments or a lump sum. Individual insurance carriers may place
a ceiling on the total amount you can put into an annuity without approval.
*
At withdrawal Annuity holders pay a tax on the growth portion of the
annuity on last in first out accounting basis. If you are under 591/2 and
need to pull your contributions out, the IRS will get 10% and, the
contract writer will ask for a "surrender charge" between 5 and 10%.
Better writers have declining surrender fees at lower percents, and
allowances for 5-15% emergency withdrawals without penalties. You
cannot borrow against your contributions, but Uncle Sam will let you
transfer the funds to another insurance company without penalty (let your
accountant handle this, if the check comes to you first you could be in
trouble).
Withdrawal & Early Withdrawal
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Copyright 2006-2008 Akey Financial Service Corporation - All rights reserved
Chicago, Illinois area insurance agency
Akey Financial Services
40w 148 Campton Crossing Drive
Suite A
St. Charles, Illinois 60175
Kane County, IL
(630) 232-9811
Toll Free: 877-232-9899
Fax: (630) 232-9829
Your Illinois Insurance &
Financial Services Specialist!
Home - Auto - Retirement - Business
Annuities
AKEY
Financial Services
We offer innovative fixed annuity products and equity index annuity products.
An annuity offers unique benefits such as tax deferral, flexible payout options
and can also help to dramatically reduce the chances of outliving your savings