FIXED INDEX ANNUITY
If you are saving money for retirement, and you are at all concerned about the safety of your money, watch this video to learn how you can be guaranteed to save, grow, and protect your money against investment losses, economic downturns, and excessive management fees.
As pension plans become a thing of the past, and as Social Security benefits begin to change, more of the burden for funding retirement is falling on you. Therefore, it is important for You to ask yourself this very question;
How do you keep more of your money. . . Guaranteed, 100% Safe, and, growing with the ability to provide Guaranteed Lifetime Income During Your Retirement?"
With A Fixed Index Annuity!
Annuities can provide safety along with a guarantee of principal in addition to your credited interest.
An indexed annuity allows for the potential of higher interest by linking, and not investing in a stock market index such as the S&P 500, the Nasdaq 100 or some other index an annuity owner may choose.
Annuities can guarantee lifetime retirement income while returning any unused principal back to the annuity owner's beneficiaries.
What Are The Benefits?
All Annuities are tax-deferred allowing the growth to accumulate without the need to pay taxes on the earnings until you withdraw those funds. As a result, you can benefit from compounded growth on earnings that might have otherwise had to be paid in taxes (Not a unique benefit for qualified plans).
Your original deposit will never decline as a result of a declining market--It can only rise! And, this can be accomplished without any fees or expenses. Additionally, the power of the "annual reset" eliminates the need to recover from a "down market" year after year. It's one of the most intriguing characteristics of an FIA and the reasons Americans are pouring millions of dollars into these plans year after year. Please reach out to us for additional details on how you can take advantage of the annual reset provision for your retirement.
A rider is often available for an additional cost to guarantee set payments regardless of how long you and your spouse (if elected) live. Or, get lifetime income through annuitization at no additional cost.
At the end of each term, earnings are credited; at that point, they may be affected by negative index performance. Earnings can, however, be limited by the policy's spread or cap rates. Some carriers may offer a feature that allows you to take advantage of index highs during your term.
You can pass assets to beneficiaries and avoid costly probate. Optional riders, available for an additional cost, can enhance the amount your beneficiaries may receive.
Most companies carriers do offer a joint payout option that provides payments throughout the life of either spouse upon the first passing. It is the security and peace of mind that most people are searching for. You can even qualify for plans that allow the income to increase over the life of ether spouse.
Growth potential can be achieved through the performance of the index or through a fixed interest rate earned on the fixed account — or a combination of the two. Your investment advisor can help you find the best combination for you.