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Our readers asked : “Josh, What is an annuity?”

"An income annuity is an agreement between you and an insurance company. In exchange for a payment, the insurance company is legally obligated to provide you with a regular, predictable, and reliable income stream.

It's basically a money for life** contract.

The reason people buy annuities is to provide a steady stream of income during retirement.

There are various types of annuities: immediate, fixed, variable, and index. Each has its own level of risk and payout potential."

Josh Mellberg

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We've helped thousands of clients around the country boost their retirement income. We want to do the same for you...

J.D. Mellberg [Financial] are the kind of people you can trust. They give an honest review of what to expect with their company and knowledge. They are there for you any step of the way, whether it be answering questions or advise, you can count on them. I highly recommend them. ~ Cynthia B. , TX

Our insurance professional was courteous, persistent, but not pushy. Even when I became distracted, he patiently followed up until we got the deal done. ~ Jim B. , FL

Our insurance professional has work diligently to ensure that we were able to create [a financial strategy] that met our retirement needs. His assistant, went above and beyond more than once, by bringing paperwork to our home, since we are quite a distance from the home office. Thank you, gentlemen! ~ Janet & Johnny H. , AZ

“Josh was tremendous with us. He guided us extremely well in making the right decision of picking the right annuity. He did not use any pressure. Just explained very clearly all of the facts and worked with us to satisfy all of our worries, anxieties and questions. He was very generous with us in spending the required time. Both my wife Ann and I recommend him very highly. We are very happy that we made the decision at the time without waiting. That was the right decision for us.” ~ Kamal & Ann C., FL

Our Insurance Professional was very professional and has my best interest in mind. I pretty much knew what product I wanted and she did what I asked her to do without trying to convince me to buy something that I did not want. ~ Bob G., FL

This represents the experience of select J.D. Mellberg clients, which may not be representative of the experience of all customers. This represents no guarantee of future financial success.

Please note that the examples herein are neither company nor product specific. They are concepts shown to give you general information of the benefits and limitations of the products and strategies and are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state.

** Some annuities may have a lifetime income guarantee as part of the base policy; others may have optional riders available that provide this benefit. Riders may also be available for benefits like an annual increase to help combat inflation or for as much as doubling your income in case of a qualifying health event. Optional riders may be available with a charge.

^ Increased income is possible with NextGen Annuity™ strategies using individual strategies. A 33% increase in income is an example of how much more income you could receive using the NextGen Annuity™ strategies instead of traditional income strategies. There are many different annuity contract features that can be utilized and your actual increase in income could be higher or lower. This approach will follow a specific strategy suited to your financial goals and may require buying multiple annuities. Results will only be realized by working closely with your agent over an extended period of time to help make sure the strategies are used correctly. You will have to keep the annuity product(s) purchased for the full time period chosen to maximize your results, and your results could vary. These results may not be possible in case of excess withdrawals or complete surrender, and you may incur penalties. Not appropriate for all retirees. Not available in all states. All withdrawals are subject to income taxes, and if taken prior to age 59-1/2, may incur an additional 10% federal penalty. If you have questions about your NextGen Annuity™ strategies, please contact your agent.

By responding to this offer you may be contacted by a licensed insurance agent regarding retirement income strategies using fixed insurance products. J.D. Mellberg Financial is insurance licensed in all 50 states (AR100109322/CA0K73712/TX2067144) and all producers have the appropriate licenses for the products they offer.