Annuities
HMG Insurance Services
Secure Your Retirement with the Right
Annuity Plan.
Don't leave your financial future to chance. Having the right annuity is crucial for ensuring a stable and predictable income during retirement. Annuities can provide peace of mind by guaranteeing you won’t outlive your savings, allowing you to enjoy life without worrying about your finances.
David Richardson – Small Business Owner
⭐⭐⭐⭐⭐
"I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!"
Happy Customers
More than 4000 clients taken care of!
Annuities
HMG Insurance Services
Secure Your Retirement with the Right
Annuity Plan.
Don't leave your financial future to chance. Having the right annuity is crucial for ensuring a stable and predictable income during retirement. Annuities can provide peace of mind by guaranteeing you won’t outlive your savings, allowing you to enjoy life without worrying about your finances.
About Us
Helping You To
Manage Your Annuity Needs!
Howard Gibbs is the founder of HMG Insurance Services, dedicated to helping families build and preserve generational wealth. With expertise in tax planning, retirement planning, and life insurance solutions—including IULs, annuities, and final expense coverage—Howard empowers clients to secure their financial future. He specializes in guiding professionals, including nurses and truck drivers, toward smart financial strategies that protect their assets and legacy.
Howard Gibbs
Howard
NPN: 20281931
About Us
Helping You To
Manage Your Annuity Needs!
Howard Gibbs is the founder of HMG Insurance Services, dedicated to helping families build and preserve generational wealth. With expertise in tax planning, retirement planning, and life insurance solutions—including IULs, annuities, and final expense coverage—Howard empowers clients to secure their financial future. He specializes in guiding professionals, including nurses and truck drivers, toward smart financial strategies that protect their assets and legacy.
Howard Gibbs
Howard
20281931
Everything You Need To Know
About Annuities At A Glance
What is an Annuity?
An annuity is a financial product that provides a steady income stream during retirement. It allows you to convert your savings into reliable payments for life or a set period, helping to secure your financial future. Get expert guidance to choose the right annuity for your needs.
Important Details
Annuities come in different types, such as Fixed, Variable, and Indexed, each with unique benefits. Whether you're looking for guaranteed returns or growth potential linked to the market, there’s an annuity to suit your financial goals. Protect your future by selecting the right plan today.
Everything You Need To Know
About Annuities
At A Glance
Important Details
Annuities come in different types, such as Fixed, Variable, and Indexed, each with unique benefits. Whether you're looking for guaranteed returns or growth potential linked to the market, there’s an annuity to suit your financial goals. Protect your future by selecting the right plan today.
What is an Annuity?
An annuity is a financial product that provides a steady income stream during retirement. It allows you to convert your savings into reliable payments for life or a set period, helping to secure your financial future. Get expert guidance to choose the right annuity for your needs.
Reviews
Real-Life Testimonials
From Satisfied Clients
David Richardson – Small Business Owner
"I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!"
Michelle Carter – Registered Nurse
"As a nurse, I’ve always focused on caring for others but never took the time to plan for myself. Howard walked me through everything in a way that made sense. My IUL is now growing steadily, and I feel financially secure for retirement. I highly recommend HMG Insurance Services!"
James Thompson – Truck Driver
"I used to think life insurance was just an extra bill, but Howard showed me how it can actually work for me. My policy is now protecting my family and growing cash value at the same time. It’s the smartest financial decision I’ve made!"
Reviews
Real-Life Testimonials
From Satisfied Clients
David Richardson – Small Business Owner
""I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!""
Michelle Carter – Registered Nurse
""As a nurse, I’ve always focused on caring for others but never took the time to plan for myself. Howard walked me through everything in a way that made sense. My IUL is now growing steadily, and I feel financially secure for retirement. I highly recommend HMG Insurance Services!""
James Thompson – Truck Driver
""I used to think life insurance was just an extra bill, but Howard showed me how it can actually work for me. My policy is now protecting my family and growing cash value at the same time. It’s the smartest financial decision I’ve made!""
More Info
Important Questions
What Type of Annuity is Right for Me?
There are several types of annuities, including fixed, variable, and indexed annuities. The best choice depends on your financial goals, risk tolerance, and the level of income predictability you prefer. Fixed annuities provide guaranteed payments, while variable and indexed annuities have returns that can vary based on market performance.
How Much Should I Invest in an Annuity?
The amount to invest in an annuity depends on your retirement goals, existing savings, and anticipated expenses. It’s essential to ensure your investment balances your need for growth and your need for guaranteed income during retirement.
Can I Customize My Annuity Plan?
Yes, annuities can be tailored to fit your needs. You can choose options like adding a death benefit, selecting a guaranteed payment period, or even setting up joint annuities for you and your spouse. Customization allows you to align your annuity with your retirement strategy.
What Happens If I Need Access to My Money Early?
Withdrawing funds from an annuity early may incur penalties, especially within the surrender period. However, many annuities offer options for penalty-free withdrawals under specific circumstances, such as severe illness or a percentage of the account value each year.
How do I Sign Up?
For personalized assistance, book an appointment with me. I’ll guide you through the different types of annuities, help determine the best fit for your retirement plan, and ensure you make an informed decision. Schedule your free consultation today to secure your financial future.
More Info
Important Questions
What Type of Annuity is Right for Me?
There are several types of annuities, including fixed, variable, and indexed annuities. The best choice depends on your financial goals, risk tolerance, and the level of income predictability you prefer. Fixed annuities provide guaranteed payments, while variable and indexed annuities have returns that can vary based on market performance.
How Much Should I Invest in an Annuity?
The amount to invest in an annuity depends on your retirement goals, existing savings, and anticipated expenses. It’s essential to ensure your investment balances your need for growth and your need for guaranteed income during retirement.
Can I Customize My Annuity Plan?
Yes, annuities can be tailored to fit your needs. You can choose options like adding a death benefit, selecting a guaranteed payment period, or even setting up joint annuities for you and your spouse. Customization allows you to align your annuity with your retirement strategy.
What Happens If I Need Access to My Money Early?
Withdrawing funds from an annuity early may incur penalties, especially within the surrender period. However, many annuities offer options for penalty-free withdrawals under specific circumstances, such as severe illness or a percentage of the account value each year.
How do I Sign Up?
For personalized assistance, book an appointment with me. I’ll guide you through the different types of annuities, help determine the best fit for your retirement plan, and ensure you make an informed decision. Schedule your free consultation today to secure your financial future.
Looking for a First-Class Annuity Consultant?
Looking for a First-Class Annuity Consultant?
HMG Insurance Services is committed to serving you at the highest level with all your Annuity needs.
National Producer Number: 20281931
Company
Directories
Legal
HMG Insurance Services is committed to serving you at the highest level with all your Annuity needs.
National Producer Number: 20281931
Company
Directories
Legal