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Your Business > Insurance

Annuities

An annuity is a contract between an insurance company and an annuity owner. The annuity owner makes a payment, or series of payments to the insurance company. The insurance company guarantees to pay a fixed interest rate on the money.

Deferred Annuity

A deferred annuity is a long term investment used to accumulate assets for retirement. Here at CNB Insurance Agency, we sell Fixed Annuities because of the fixed, guaranteed rates they offer as well as the security and peace of mind they give. The annuity offers the ability to turn those assets into a predictable stream of income at some point in the future. A deferred fixed annuity offers tax-deferred growth. You don’t pay taxes on your money while it remains in the annuity.

Immediate Annuity

An immediate annuity provides a regular income stream purchased with a lump sum investment. This type of annuity can bring great peace of mind when so many people are concerned they will outlive their money. Many retirees cannot risk the fluctuations in the stock market. An immediate annuity may be the solution for you. It offers a way to ensure you’ll receive a check every month for the rest of your life.


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CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank and Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed, or endorsed by, The Canandaigua National Bank and Trust Company. These products are not federally insured by the Federal Deposit Insurance Corporation or the Federal Reserve Board. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with The Canandaigua National Bank and Trust Company or CNB Insurance Agency.

CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank and Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed, or endorsed by, The Canandaigua National Bank and Trust Company. These products are not federally insured by the Federal Deposit Insurance Corporation or the Federal Reserve Board. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with The Canandaigua National Bank and Trust Company or CNB Insurance Agency.