Who better to handle your financial services than a leading company whose mission is to ensure our customers a secure future?

At Volcy Financial Services, we share a valuable concept to help our clients understand the importance of building a solid financial future through our contracted companies.

We work with you side by side on a strategy to provide regular check-up to help you reach your financial goals. Whether you are planning for your finances, education saving, retirement saving, or other financial needs, we can help you get there; one decision at a time. We offer an extensive variety of account types designed to match your unique situation.

Our Financial products include Annuities.

What is an Annuity?

An annuity is a contract between you and an insurance company. They invest money with a fixed or variable return rate; and income isn’t taxed until withdrawn from the contract, making annuity good for retirement savings.

Type of annuities

Fixed annuity:� a fixed annuity provides a guaranteed interest rate for a fixed period.

Here’s how it works: you make a check payable to one of our contracted insurance companies, and they invest it. If their investments do poorly, they will still pay you the interest rate that they promised. The interest rate you are paid will be periodically adjusted up or down, but it will never go below the guaranteed rate.

Variable annuity: combines the standard feature of most annuities with investment choices. As with most annuities, it offers tax differed growth on our earning, and a death benefit for your beneficiaries. Plus when you purchase a variable annuity, you can choose how options called subaccounts to invest in underlying portfolios that are invested in common stocks, bonds, money market, or a combination of these. The value & your annuity will increase or decrease depending on your contribution and the performance of your investment choices.

Indexed Annuity:

An indexed annuity earnest interest on the potential upward movement of the equity index. Indexed annuities also feature minimum interest rates. This rate serves as a “Safety Valve” by providing growth even when the market performs poorly. Index Annuities are a popular option for people who want some of the growth potentials of a variable annuity, but with less risk.

Immediate Annuity

With an immediate annuity, you begin receiving payment within one month or up to twelve months from your annuity purchase date, depending on when you want to start the income stream. When purchasing an immediate annuity, you can tailor it to fit your personal needs, which includes choosing a payment option and the frequency of the payment (monthly, quarterly, semi-annually, or annually)

Single-Premium Immediate Annuity

• Issue age ranging from age 1-99 years old
• The contribution amount starts at $5000
• A variety of payment options to meet you and your spouse’s need

Market Value Adjusted Annuity

Market value-adjusted annuities can help you get a variety of interest rates. With these plans, you can divide your money over several different contract periods, each with its rate of interest. During each contract period, you may choose to take cash from your account when the prevailing interest rate is favorable for a withdraw. “Market Value adjusted annuities have a greater potential to provide higher interest than traditional fixed annuity”

• Issues ages from 0-90
• Policies start as little as $2,000
• Flexible premium, premium addition of $1,00
• Choice of the guarantee period
• Condiment waiver benefit available.