Which kind of companies would own a forest?

Insurance companies.

Forests are high-yielding but long-term investments. That's how life insurance companies manage the long-term financial promises they make to people.

Life insurance companies make annuities. You use an annuity to reduce your risk: to create a more secure income and to help preserve your wealth.

Retiring? You probably don't want your income dependent on Wall Street.

Rather, you need reliable income that's out of the market--so you don't have to worry how you'll pay for next month's bills. A short (or long term with COLAs) annuity often does that job well.

There are many options today to get the upside you need but preserve your wealth against the downside you don't want. These annuities are very popular as CD alternatives. Higher rates of return and some liquidity make them a more attractive option than the rigid CD.

Some annuities can do more than one thing.

They can provide a reliable stream of income.

Or be designed for lower-risk asset growth.

Or provide funds for long term care.

Or provide a death benefit.

Or can help you transfer wealth tax-efficiently.

Or can help spread out your tax liability.

One financial package doing multiple strategies.

Fixed annuities are products of the insurance industry and are designed for long-term retirement investing. Variable annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk, including the possibility of loss of principal. Optional riders have limitations and are available for an additional cost through the purchase of a variable annuity contract. Withdrawals will reduce the contract value and the value of any potential protection benefits. Withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax. Annuity guarantees, including guarantees associated with benefit riders are subject to the claims-paying ability of the insurance company. Surrender charges may apply if money is withdrawn before the end of the contract. Contact us for additional information and to determine which type of annuity may be suitable for your investment goals and needs.