Annuity Investment Information
We offer innovative annuity products to fit you and your family's needs. An
annuity offers unique benefits such as tax deferral, flexible payout options and
can also help to dramatically reduce the chances of outliving your savings.
Click on one of the annuity
types below to learn more.
Annuity Advantages
Guaranteed Income
An annuity can provide you with a guaranteed lifetime income regardless of
how long you live. Guarantees are limited to the claims-paying ability of the
issuer.

Unlimited Contributions
Unlike other tax-advantaged investments such as IRAs, you can contribute
an unlimited amount of money to an annuity during the year, whether in
periodic installments or a lump sum. Individual insurance carriers may
place a ceiling on the total amount you can put into an annuity without
approval.
Bonus Rates
Some annuities award investors with bonuses at the end of the annuity's
first year such as extra interest that further increases your investment.
Bonus rate products may impose higher fees and charges and longer
surrender periods than contracts that do not provide the bonus feature.

No-Penalty Rollovers
Company pension or profit-sharing plan payouts may be reinvested
without incurring current taxes or penalties.
No probate in case of death, as long as you specify
beneficiaries.
Which means your family will find it easier and less costly to obtain
the value of the annuity.

Shelter Investment Earnings
Retired people can use annuities to shelter investment earnings that
would otherwise lead to taxation of Social Security benefits.
At withdrawal Annuity holders pay a tax on the growth portion of the
annuity on last in first out accounting basis. If you are under 591/2 and
need to pull your contributions out, the IRS will get 10% and, the
contract writer will ask for a "surrender charge" between 5 and 10%.
Better writers have declining surrender fees at lower percents, and
allowances for 5-15% emergency withdrawals without penalties. You
cannot borrow against your contributions, but Uncle Sam will let you
transfer the funds to another insurance company without penalty (let
your accountant handle this, if the check comes to you first you could
be in trouble).
The Insurance Shoppe offers experienced annuity services throughout
Wisconsin, including Single Premium Immediate Annuity, Flexible
Premium Deferred Annuity, and Single Premium Deferred Annuities.
Click on the link below to fill out a contact form for receiving more
information about these annuity products. Or you can speak with our
Financial Services specialist at (920) 849-4534 to discuss the features
in detail.
We are your local Calumet County, Wisconsin insurance agency, offering annuities to residents of the
following cities and counties: Chilton, New Holstein, Malone, Kiel, Hilbert, Forest Junction, Potter,
Reedsville, Brillion, Stockbridge, Sherwood, Hayton, Brothertown, Marytown, Calumetville, Pipe,
Johnsburg, Mt. Calvary, St. Cloud, Elkhart Lake, Ada, Sheboygan, Cleveland, Manitowoc, Spring
Valley, Osman, Plymouth, Two Rivers, Whitelaw, Valders, St. Nazianz, Newton, Collins, Kimberly,
Kaukauna, Darboy, Oshkosh, Winnebago, Appleton, Menasha, Neehah, Menchalville, Greenville,
Holland, Little Chute, Wrightstown, Morrison, Wayside, Kellnersville, Francis, Branch, Cooperstown,
Maribel, De Pere, Bellevue, Allouez, Ashwaubenon, Denmark, Tisch Mills, Kewaunee, Howard, Green
Bay, Oneida, Luxemburg, New Franken, Pilsen, Anston, Black Creek, Freedom, New London,
Sheyboygan Falls, Plymouth, Greenbush, Fond du Lac, Peebles, Taycheedah, Kohler, Howards
Grove, Dundee, Cascade, West Bend, North Fond du Lac, Eden, Waldo, Cedar Grove, Hingham, Fond
du Lac County, Sheboygan County, Brown County, Winnebago County, Outagamie County, and
Manitowoc County, WI.
Click on the link below to fill out a contact form for receiving more information about
Single Premium Immediate Annuities. Or you can speak with our Financial Services
specialist at (920) 849-4534 to discuss the features in detail.
Click on the link below to fill out a contact form for receiving more information about Felxible
Premium Deferred Annuities. Or you can speak with our Financial Services specialist at
(920) 849-4534 to discuss the features in detail.
Click on the link below to fill out a contact form for receiving more information about Single
Premium Deferred Annuities. Or you can speak with our Financial Services specialist at
(920) 849-4534 to discuss the features in detail.
**The information, pictures, and other content in this website about particular insurance services or
financial services is only provided for informational purposes. Any decisions regarding your
insurance and financial needs should be discussed with a licensed insurance agent or financial
professional.
Withdrawal & Early Withdrawal
Working to insure and
protect you since 1963!
Home - Auto - Farm - Business - Life - Health
The Insurance Shoppe
We are large enough to serve
you, yet small enough to care.
Personal
Insurance
Annuity
105 Southside Shopping Center
Chilton, Wisconsin 53014
(920) 849-4534
Toll Free: 1-866-601-1200
Fax: (920) 849-4158
The Insurance Shoppe
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Copyright 2007-2008 The Insurance Shoppe Ltd. - All rights reserved
Single Premium Immediate Annuities are purchased by a single deposit. This type of
annuity can begin benefit payments as early as one month and no later than 13 months
from the date of purchase and is intended for investors who need a guaranteed income
stream to begin soon. The amount of your income payouts is determined by the
guaranteed interest rate and the payout option you select. The insurance company
promises to pay a monthly income for the life of the annuitant and the buyer gives up
their rights to ever receiving the deposit back in a lump sum.
A Single Premium Deferred Annuity (SPDA) is a widely-used product in the retirement
planning process. A Single Premium Deferred Annuity is an interest earning, annuity contract
between you and an insurance company. In return for an initial investment, the insurance
company promises to pay you the investment plus accrued interest on the Maturity Date of
the annuity. You can choose to have the interest rate fixed for the life of the contract or reset
at a time interval chosen by you.
Under current federal income tax laws, you pay no tax on the accrued interest until it is
withdrawn. The withdrawal must occur after the age of 59½ in order to prevent a penalty
from the IRS. As a result your money grows faster. A Single Premium Deferred Annuity
is not guaranteed by the Federal Deposit Insurance Corporation (FDIC) or the federal
government. In most cases, a Single Premium Deferred Annuity contract can be
cancelled prior to its maturity, although there will be a penalty applied.
A Flexible Premium Deferred Annuity offers the flexibility to make contributions as frequently
or infrequently as you wish, within certain limits. You may choose to contribute monthly,
quarterly, semiannually or annually and may change the amount and frequency of payments
any time. Each deposit will receive the current rate for a one-year guarantee period. You can
benefit at the end of the guarantee period from competitive renewal rates based on the
current interest-rate environment and current market conditions. All contributions grow on a
tax-deferred basis until you withdraw your money or begin receiving a stream of income
payments.
A Flexible Premium Deferred Annuity offers a variety of ways to access funds before the
end of the surrender charge period without paying a surrender charge. Typical withdrawal
methods include a 10% annual withdrawal option, payments of interest earnings, 72(t) and
72(q) SEPPs for early retirement income without penalties, IRS required minimum
distributions from qualified plans, and nursing home and terminal condition waivers.