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Annuities in Titusville FL & Orlando FL

Keep Your Financial Resources Protected.

www.filichia-agency.com understands the value of saving for and investing in your future. If you’re like many Americans, you work diligently each day and take the right steps to ensure that you’ll be supported with a comfortable income after you retire. That’s why it’s smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income.

The last thing you’ll want to experience as a retiree is a loss of your financial resources. With an Annuity from www.filichia-agency.com, you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.

Types of Annuities

www.filichia-agency.com can offer two types of Annuities: Deferred and Immediate Annuities.

Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments.

Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.

Understand Your Investments

An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity’s value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.

Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You’ll have to pay income tax on the withdrawal, and if you’re not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.

An annuity is sold by an insurance company, and the annuity’s guarantees and protections are subject to that company’s ability to pay for them. However, this doesn’t apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.

An annuity is sold by prospectus, a document that describes the annuity’s objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.

It’s important to discuss your options with a specialist at www.filichia-agency.com who is committed to helping you make the right decisions.

Before investing, understand that annuities are not insured by the FDIC, NCUSIF or any other federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the depository institution where offered or any of affiliates. Annuities that involve investment risk may lose value. Guarantees and protections are subject to the claims paying ability of the issuing insurance company.

Our Locations

Filichia Insurance Agency Inc.

1703 S. Washington Av.
Titusville, FL 32780
Main office: 321-926-4674
Toll free: 855-592-1190
Fax: 321-264-9770

Filichia Insurance Agency Inc - Orlando/Avalon

12301 Lake Underhill Road, Suite 213
Orlando, FL 32828
Main office: 407-745-4416
Toll free: 855-592-1190
Fax: 321-264-9770

Our Providers

Testimonials

Rita and I both wanted to say 'thanks' again for everything you did to make things work with our time crunch!! I do understand that our lack of proper planning does not constitute an emergency for you, and truly appreciate your dedication and assistance. I look forward to working with you in the future.
Kio A.
Just wanted to thank the agent Katherine at Filichia Insurance in Titusville Fl. A breath of fresh air. She was very helpful and courteous in guiding us to make decisions for our home owners policy.
Mr. P
Bob, I just want to thank you very much for the quick response you provided to my request. I just received a call from the school board stating they received the necessary paperwork to prove we had liability insurance. You certainly went above and beyond getting this request fulfilled in a timely manner.
Marlo M
...I have always been impressed with your company's high standards and employees' ability to save me the most money as possible with my policies. We highly recommend Katherine Rallo for your employee of the month.
Suze C
Surprisingly flexible and in-touch with my needs as a small business owner. Can't ask for more.
Spencer F.
They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.
Susan T.
Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.