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Annuities in Largo FL & Clearwater FL

Keep Your Financial Resources Protected.

Brown Insurance Services 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 Brown Insurance Services, 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

Brown Insurance Services 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 Brown Insurance Services 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 Location

Brown Insurance Services

2401 West Bay Drive, Suite 603
Largo, FL 33770
Main office: 727-456-8794
Toll free: 800-783-8881
Fax: 727-518-0002

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Efficient, experience customer service, professional!
- James R, Port St. Lucie
They work for you!
- Larry M, Deland, FL
Easy to work with, very knowledgeable, listened to my needs and situation, and found a policy that works and saved money.
- Donna, Largo, FL
Very responsive and customer service oriented
- Wendy M, Tarpon Springs, FL
Buying Property out of state for the first time was nerve wracking to say the least. After trying an insurance broker as well as contacting another insurance company, the unanswered emails and slow responses were becoming stressful. Brown Insurance were quick to respond and even quicker to put a quote together. I was very relieved!
- Shelia, Denver, CO
Call Matt Williams at Brown Insurance, he's incredible!!!!
- Spencer G, St. Petersburg, FL
Brown Insurance is efficient, caring, professional and eager to assist the customer
- Patricia, Largo, FL
The best personal service, which is why I recommend Brown Insurance to my buyers.
- Viki W, Dunedin, FL
They are awesome!
- Pamela Hettinger, Saint Petersburg
I have recommended Brown Insurance Services to a friend. That says it all.
- Patrick Gerbig
Excellent Service, Great Rates from Brown Insurance Services.
- Sandy Albanese, St Petersburg
Brown Insurance Services are very responsive with fair prices.
- Richard Lewis, Clearwater Beach
Very easy to work with and great rates!
- Ashley K, Largo
Call Brown Insurance Services and give them a chance to compare prices, you won't be sorry!
- Lawrence W, Wesley Chapel
Great customer service and amazing people! Would not go anywhere else!
- Nichole C, New Port Richey
Brown Insurance Services are wonderful to work with. They really take care of you.
- Cynthia M. Bie, Indian Rocks Beach