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Our approach to annuities at J.P. Morgan

Investments are often unpredictable, and this uncertainty can affect how you plan for the future. At J.P. Morgan Private Bank, we can help you mitigate investment risk through annuities, which provide certain unique guarantees. Unlike other investment products, annuities can provide liquidity and access to preferential pricing. As they are designed to evolve with your goals and life events, annuities offer you greater flexibility to change your lineup for your future and realize the full potential of your wealth.

What are annuities? 
 

Annuities are insurance contracts that can provide you retirement income while giving you flexibility in your investment portfolio. As you look to obtain a future, reliable guaranteed income stream throughout your life, annuities can also help support your charitable goals and philanthropic strategies and provide tax deferred growth. You can invest in an annuity by paying fixed or variable payments. Annuities can also be an integral part of estate planning as they may offer enhanced death benefits and allow you to lock in high values that will increase your estate benefit to your beneficiaries.

J,P. Morgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting professionals before engaging in any transaction.

All annuity contract and rider guarantees, or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company.

 

Annuities can be an important part of your financial plan. Annuities provide an opportunity for tax deferral growth and guaranteed income that can last your lifetime.

Benefits of choosing J.P. Morgan Private Bank for annuities
 

At J.P. Morgan, you have access to an annuity platform built to help you and your family achieve your wealth planning goals.

Access to the J.P. Morgan Private Bank network 
 

We have access to top carriers, competitive pricing and diverse annuity products which is our distinct advantage which enables well-informed investment decisions.

Global reach
 

Our size and experience allows us to negotiate pricing and features that we can offer exclusively to Private Bank clients like you.

Innovation
 

Our investment and product teams collaborate with select carriers to build cutting-edge products for our annuities platform.

Holistic planning
 

Regardless of your net worth, risk tolerance or financial objectives, the flexibilities annuities provide can apply to several financial planning goals.

Flexibility and customization
 

We help you build a diversified portfolio for your annuity contract and receive ongoing advice based on our global insights and investment thinking. 

What are the different types of annuities and how do they work?

Contact us to discuss how we can help you experience the full possibility of your wealth.

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Important Information

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax may apply. Keep in mind, for retirement plans and accounts (such as IRAs and 401(k)s), an annuity provides no additional tax-deferred benefit beyond that provided by the retirement plan or account itself.

Annuities are long-term investments designed to help meet retirement needs. They are a contractual agreement where a client makes payments to an insurance company, which, in turn, agrees to pay out an income stream or a lump sum amount at a later date. Annuities typically offer (1) tax-deferred treatment of earnings; (2) a death benefit; and (3) annuity payout options that can provide guaranteed income for life. There are contract limitations, fees and charges associated with annuities which include, but are not limited to mortality and expense risk charges, sales and surrender charges, administrative fees, charges for any optional benefits, and charges for the underlying investment options in variable annuities. In addition, variable annuity contract values will fluctuate and are subject to market risk including the possible loss of principal. It is possible to lose money in a variable annuity purchased with an optional protection rider. Variable annuities have holding periods, limitations, withdrawal charges, exclusions, termination provisions, and terms for keeping them in force. Optional riders may be irrevocable and expire without use. Early withdrawals may be subject to surrender charges, and taxed as ordinary income, and in addition, if taken prior to age 59½ an additional 10% federal tax may apply. Withdrawals reduce annuity contract benefit, values and optional guarantees in an amount that may be more than the actual withdrawal.

It is important to note that indexed annuity contracts commonly allow the insurance company to change the participation rate, cap rate, and/or spread rate on a periodic — such as annual — basis. Such changes could adversely affect your return. No single index crediting method will provide the highest interest credit in all market scenarios. The guaranteed minimum cap rate/maximum spread rate are established when the annuity is purchased and disclosed in the annuity contract.

LEARN MORE About Our Firm and Investment Professionals Through FINRA Brokercheck

 

To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products

 

JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, which may include bank-managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC ("JPMS"), a member of FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

 

Please read the Legal Disclaimer for key important J.P. Morgan Private Bank information in conjunction with these pages.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

Bank deposit products, such as checking, savings and bank lending and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

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