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A Deferred Annuity has two phases: the accumulation phase, where you let your money grow for a while, and the payout phase. During accumulation, your money grows tax-deferred until you take it out, either as a lump sum or as a series of payments. You decide when to take income from your annuity and therefore, when to pay the taxes. Gaining increased control over your taxes is one of the key benefits of annuities.

The payout phase begins when you decide to take income from your annuity. For most people, this is during retirement. As your needs dictate, you can take partial withdrawals, completely cash-out (surrender) your annuity, or convert your deferred annuity into a stream of income payments (annuitization). This last option is essentially the same as buying an immediate annuity.

To receive your
FREE DEFERRED ANNUITY REPORT with the most competitive rates, please complete the short form that follows. If you prefer, you can always call
MacMillan Financial at (908) 236-7500


Applicants Name: 
Name of Annuitant, if different: 
Best time you can be reached: 
Street/Mailing Address: 
Zip Code: 
Applicant's Date of Birth: 
 ex. 01/01/2005
Applicant's Gender: 
  Male  Female
Enter the premium amount you have for deposit: 
Are the funds to purchase this annuity coming from a tax-qualified retirement account (IRA, 401K, etc.)?
Yes  No
Are the funds to purchase this annuity coming from another annuity contract, requiring a 1035 exchange?
Yes  No
How soon will this annuity be purchased?
Optional Message: For example, you may tell us what you would like to accomplish by buying this annuity or if you have any special requirements for this annuity, etc.