Annuities: The Unknown Retirement Solution
|
|
- Hannah Rodgers
- 6 years ago
- Views:
Transcription
1 Annuities: The Unknown Retirement Solution If I had asked people what they wanted, they would have said faster horses. Henry Ford Clients are looking for annuities they just might not know it yet. At Athene, we spend a lot of time reaching out to financial professionals and customers through surveys and market research. Through our research, central themes emerge that verify what we, as an industry, already know: People know what they want for their retirement, but the benefits of an annuity and how annuities can fit into their overall retirement plan, remain an enigma. Financial professionals play an important role in educating clients on all the available options including annuities and the benefits they can provide. I know what I want, but I m not sure I want that Although annuities date back to the Roman Empire, they have evolved significantly over time into sophisticated insurance products. Annuities sold as part of an individual retirement plan have only really become popular in the last few decades and Fixed Indexed Annuities (FIAs) just turned 20 last year a relative baby in the industry. No wonder many clients are still wary of annuities as a viable retirement planning tool Products issued by Athene Annuity and Life Company, West Des Moines, IA (12/16)
2 In a recent survey of over 1,000 people, ages 40 to 80, we found that over 50% said they were either unfamiliar or very unfamiliar with fixed indexed annuities. 1 This lack of familiarity is sure to hinder the consideration of annuities in retirement planning. In fact, 38% of this same group stated that they were somewhat unlikely or very unlikely to even consider an annuity as part of their retirement portfolio. Additionally, 45% of respondents said that they would not consider an annuity because they just don t know enough about them, and that they are too complicated. However, when these same prospective clients were asked what they want from their retirement investments, they came up with the following wants, which can all be answered by an FIA: What clients want from their retirement investment The ability to pay bills / living expenses during retirement The ability to cover emergencies during retirement Ranked as important or very important 94% 92% Can an FIA help to provide this? A guaranteed steady stream of income for life 88% Enough money in case of medical confinement 87% 2 Their spouse / partner taken care of in case of their death Moderate growth in return for no direct downside market risk Tax-deferred growth 76% 66% 66% These financial considerations that are important to clients are all features that can be found in FIAs, yet FIAs were rarely considered. And, this limited knowledge around FIAs goes beyond just clients. Our study also collected responses from newly contracted Athene financial professionals. Answers revealed that nearly 25% have never written an annuity policy. When asked about the challenges of selling annuities, 5% of financial professionals surveyed said they just don t know enough about them to sell them to their clients, and another 4% said they believe FIAs are too complicated to explain.
3 What can I, as a financial professional, do? It s important to sell a solution not a product. Don t start off the conversation asking what product they want because, as evidence has shown, they don t know what they want. Instead, try this more holistic approach to retirement planning 1. Educate yourself first. You want to make sure the solution you recommend is not only suitable for your client, but fits into their overall view of retirement. Make sure you are up to speed on all the ins and outs of each product type. Know their features and benefits as well as the carrier s history and competitors.
4 2. Get yourself noticed. According to the Google search trend analytics shown below, far more people go online searching for happiness than annuities. Why not use this to your advantage? If you want your website, blog or article to be seen, post content that strikes a note with your audience for example, a list of the top ten things people enjoy doing most in retirement. September 3, Engage clients and find relevance. Planning for retirement is very personal. Each plan is as unique as the person creating it. Nobody wants to sit down with an advisor and feel like they are getting the pitch. Asking retirees what makes them happy is a much better conversation opener than asking them what retirement product they are looking for. You might be surprised how quickly the conversation turns towards the benefits of an annuity. Find out what your clients need as far as their emotional portfolio by asking about their hopes and dreams so you can better show them the powerful link between an annuity and their financial happiness in retirement. Then, customize a plan that works for them. 4. Educate your clients. Your clients need to understand exactly how an annuity will help them achieve their goals and how an annuity may lead them to a happy retirement. They need to understand all those bells and whistles as much as you do and feel comfortable with their buying decision.
5 Maybe an annuity is a good idea after all. It may sound like a pretty hard sell to get someone to buy something they don t know they want, but it s easier than you think! By satisfying the needs of a clients emotional portfolio, as well as their financial portfolio, financial professionals can help their clients understand why they want an annuity. With this holistic approach, consumers will have a much better buying experience, and annuities will practically sell themselves. Your clients will also be in a better position to not only achieve their own retirement goals and dreams, but become far more willing to pass the word along (and maybe your business card) to help others achieve theirs as well. 1 Planning for Happiness, Athene, December Participants in this study were proved through the Harris Panel, including members of its third party panel providers. 2 A fixed indexed annuity is not the same as long-term care insurance and is not a substitute for such coverage, nor should it be sold as such. Guarantees provided by annuities are backed by the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC. Guaranteed lifetime income available through annuitization or the purchase of an optional income rider for a charge. Annuities are long-term products of the insurance industry designed for retirement income. They contain limitations and exclusions, including withdrawal charges and a market value adjustment that will affect contract values. This material has been prepared for informational and educational purposes only. This information is not sponsored or endorsed by any governmental agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation. Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market Indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an Index nor any market-indexed annuity is comparable to a direct investment in the equity markets. Clients who purchase indexed annuities are not directly investing in a stock market index. Products not available in all states. This material is provided by Athene Annuity and Life Company, headquartered in West Des Moines, Iowa, which issues the product described herein. The term financial professional is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity. ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT For financial professional use only. Not to be used with the offer or sale of annuities. (12/16)
When plans change, you need agility.
When plans change, you need agility. Athene Agility SM Fixed Indexed Annuities This material is provided by Athene Annuity and Life Company headquartered in West Des Moines, Iowa, which issues annuities
More informationChoose the retirement you want. Simply.
Choose the retirement you want. Simply. A Fixed Indexed Annuity with an Optional Income Rider 65001 Issued by Athene Annuity and Life Company, West Des Moines, Iowa (01/15) An Athene Ascent SM 10 fixed
More informationIncome Preferred Bonus Fixed Indexed Annuity
Income Preferred Bonus Fixed Indexed Annuity 55542 (03/14) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return for your money, or premium, the insurance company
More informationAn Insider s Guide to Annuities. The Safe Money Guide. retirement security investment growth
The Safe Money Guide retirement security investment growth An Insider s Guide to Annuities 1 Presented by Joe Brown Brown Advisory Group, LLC http://joebrown.retirevillage.com An Insider s Guide to Annuities
More informationTake Control with Guaranteed Lifetime Income
BCA Elevate TM 12 Take Control with Guaranteed Lifetime Income Balanced Allocation Lifetime Income Rider Fixed Growth Option In FL, the Product Brochure is required to be used in conjunction with the Additional
More informationFinding retirement security
Finding retirement security Protect your savings. Discover the growth and income potential of fixed indexed annuities. LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured
More informationFinding the Perfect Match
Finding the Perfect Match A Financial Professional s Guide for Client Suitability This material is provided by Athene Annuity and Life Company headquartered in West Des Moines, Iowa, which issues annuities
More informationRetirement Income Planning With Fixed Indexed Annuities. Your Relationship With Your Finances
Retirement Income Planning With Fixed Indexed Annuities Your Relationship With Your Finances There are some pretty amazing things that happen around the time of retirement. For many, it is a time of incredible
More informationIn FL, the Product Brochure is required to be used in conjunction with the Additional Information Insert (BCA ).
BCA Elevate TM 12 Retirement Income Peace of Mind Balanced Allocation Lifetime Income Rider Stacked Growth Option Max In FL, the Product Brochure is required to be used in conjunction with the Additional
More informationfor a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number varies by state.
for a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard
More informationNavigate your journey to and through retirement
Navigate your journey to and through retirement Voya Quest 7 Index Annuity A flexible premium deferred fixed index annuity with an optional guaranteed lifetime income rider issued by Voya Insurance and
More informationYour guidance helps clients know the difference.
ALL GUARANTEES ARE NOT CREATED EQUAL. Some investment guarantees make complex promises with fees to match. Others deliver the clarity and protection investors deserve. Your guidance helps clients know
More informationA lifetime of income to help fulfill your retirement dreams
IncomeSure SM guaranteed lifetime withdrawal benefit IncomeSure benefit A lifetime of income to help fulfill your retirement dreams Available with a RiverSource fixed index annuity and issued by RiverSource
More informationELITE 10 & 15. Make your money work for the long term. Fixed Indexed Annuity and Liquidity Rider
PERFORMANCE ELITE 10 & 15 Fixed Indexed Annuity and Liquidity Rider Make your money work for the long term. This material is provided by Athene Annuity and Life Company headquartered in West Des Moines,
More informationAmerican Equity s. The. American. EAGLESeries. Premier Eagle10 (FPDA-7-08-FL) For use in Florida only. Declared Interest Rate Fixed Annuity
American Equity s The American EAGLESeries Premier Eagle10 (FPDA-7-08-FL) For use in Florida only. Declared Interest Rate Fixed Annuity Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION
More informationAvoid Annuity Traps Page 1
Avoid Annuity Traps Page 1 Thinking About Purchasing An Annuity? Are you thinking about purchasing an annuity? Or maybe you already own one and are considering surrendering it? If so, then before you do
More informationIncome Rider Issued by Athene Annuity and Life Company, West Des Moines, Iowa (05/16)
Income Rider 65103 Issued by Athene Annuity and Life Company, West Des Moines, Iowa (05/16) Enjoy an income that lasts as long as your retirement does. 2 Athene Ascent Income Rider designed to provide
More informationTaking Advantage of the Potential of Rising Rates: ING Interest Rate Benchmark Strategy
Taking Advantage of the Potential of Rising Rates: ING Interest Rate Benchmark Strategy One of the five interest crediting strategies available with the ING Secure Family of Fixed Index Annuities issued
More informationElevate Your Retirement
Athene Annuity and Life Company Elevate Your Retirement Balanced Choice Annuity Elevate 57968 (1/17) Take Control of Your Retirement You can overcome the challenges of traditional retirement savings solutions.
More informationGuaranteed Income for Life. Voya IncomeProtector Withdrawal Benefit. Available with a Fixed Index Annuity from Voya Insurance and Annuity Company
Guaranteed Income for Life Voya IncomeProtector Withdrawal Benefit Available with a Fixed Index Annuity from Voya Insurance and Annuity Company Guaranteed Income for Life The median income for retired
More informationTheUltimateAnnuityBuyer sguide. dddd. 7Sure-FireTipsToGeneratingMoreIncome, Growth,AndPreservationOfPrincipal. ProvidedBy:
TheUltimateAnnuityBuyer sguide dddd 7Sure-FireTipsToGeneratingMoreIncome, Growth,AndPreservationOfPrincipal ProvidedBy: 7 Key Tips For Purchasing Annuities In Today s Market TIP #1 Company Ratings Matter!
More informationMYGAs. Multi-Year Guaranteed Annuities. Annuity Product Guides. A safe, guaranteed and tax-deferred way to grow your retirement savings
Annuity Product s MYGAs Multi-Year Guaranteed Annuities A safe, guaranteed and tax-deferred way to grow your retirement savings Modernizing retirement security through trust, transparency and by putting
More informationIncreasing Retirement Income Potential. The Earnings-Indexed Income Option offers the opportunity for increasing guaranteed lifetime income
BCA Elevate TM 12 Increasing Retirement Income Potential The Earnings-Indexed Income Option offers the opportunity for increasing guaranteed lifetime income 83062 (08/18) Increasing Costs in Retirement
More informationTRANSAMERICA SECURE RETIREMENT INDEX ANNUITY AND OPTIONAL TRANSAMERICA INCOME PLUS LIVING BENEFIT
TRANSAMERICA SECURE RETIREMENT INDEX ANNUITY AND OPTIONAL TRANSAMERICA INCOME PLUS LIVING BENEFIT A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock
More informationNorth American. Charter Plus 10. Fixed Index Annuity 25304Z-20 PRT 4-17
25304Z-20 PRT 4-17 North American Charter Plus 10 Fixed Index Annuity Retirement. many people, retirement is viewed as a time of rest and reflection. They have worked hard and planned diligently to ensure
More informationRetirement Income Planning With Annuities. Your Relationship With Your Finances
Retirement Income Planning With Annuities SAMPLE Your Relationship With Your Finances E SA MP L There are some pretty amazing things that happen around the time of retirement. For many, it is a time of
More informationRetirement Income Planning With Annuities. Your Relationship With Your Finances
Retirement Income Planning With Annuities Your Relationship With Your Finances There are some pretty amazing things that happen around the time of retirement. For many, it is a time of incredible change,
More informationfor a secure Retirement Integrity Gold (INDEX-5-07)* *Form number varies by state.
for a secure Retirement Integrity Gold (INDEX-5-07)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard
More informationRetirement is more than a straight line
Retirement is more than a straight line A Fixed Indexed Annuity With Enhanced Benefits Rider 71006 Issued by Athene Annuity and Life Company, West Des Moines, IA (01/16) NMVA What is a fixed indexed annuity?
More informationfor a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number and availability may vary by state.
for a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number and availability may vary by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans,
More information2017 business owner market study. Turn your priorities into realities
2017 business owner market study Turn your priorities into realities 1 Business owners like you shared their priorities and challenges with us Small business owners are the backbone of the U.S. economy
More informationNorth American. CharterSM. Plus Fixed Index Annuity 22482Z PRT 8-15
22482Z PRT 8-15 North American CharterSM Plus Fixed Index Annuity Retirement. many people, retirement is viewed as a time of rest and reflection. They have worked hard and planned diligently to ensure
More informationNORTH AMERICAN CHARTERSM 10 FIxEd INdEx ANNUITY 16760Z PRT 08-12
NORTH AMERICAN Charter SM 10 Fixed INDEX ANNUITY 16760Z PRT 08-12 North American Charter sm 10 The North American Charter SM 10 is a flexible premium, fixed index annuity that offers you the ability to
More informationDependable asset growth on your terms with ATHENE MaxRate 7 Multi-Year Guarantee Annuity (MYGA)
1 Dependable asset growth on your terms with ATHENE MaxRate 7 Multi-Year Guarantee Annuity (MYGA) Issued by: Athene Annuity & Life Assurance Company AN1164-FL (10/14) Your Future Make sound financial decisions
More informationGrow, protect and enjoy your wealth with one complete solution
Grow, protect and enjoy your wealth with one complete solution Voya Wealth Builder Plus Annuity A flexible premium deferred fixed index annuity with an indexed minimum guaranteed withdrawal benefit issued
More informationLifetime Income Benefit Rider
Eagle Life s Lifetime Income Benefit Rider With Optional Wellbeing Benefit Optional Income Rider EAGLE INSURANCE COMPANY Lifetime Income Benefit Rider An Optional Income Rider Fixed index annuities are
More informationElevate Your Retirement
Athene Annuity and Life Company Elevate Your Retirement Balanced Choice Annuity Elevate In FL, the Product Brochure is required to be used in conjunction with the Additional Information Insert (BCA 8-83066,
More informationAnnuities. Stretch Your Assets. Create A Lasting Legacy by Stretching Your IRA Fixed Annuities
Annuities Stretch Your Assets Create A Lasting Legacy by Stretching Your IRA Fixed Annuities There are times in our lives we wish would never end... like special moments with family and friends. There
More informationThe Safe Money Guide. An Insider s Guide to Annuities
The Safe Money Guide retirement security investment growth An Insider s Guide to Annuities pg. 1 Copyright Retire Village 2018 An Insider s Guide to Annuities Plus Secrets the Insurance Companies don t
More informationLiveWell Freedom Variable Annuity
LiveWell Freedom Variable Annuity Issued by Midland National Life Insurance Company Simple. Innovative. Straightforward. Income Now. Freedom Later. 27009V PRT 05-18 NOT FDIC/NCUA INSURED, MAY LOSE VALUE,
More informationNORTH AMERICAN PILLAR FIXED INDEX ANNUITY 13930Z-42 REV 08-10
NORTH AMERICAN PILLAR FIXED INDEX ANNUITY 13930Z-42 REV 08-10 NORTH AMERICAN PILLAR Are you looking for ways to manage your future retirement income today so that you can enjoy financial freedom later?
More informationAssetShield 5 FIXED INDEX ANNUITY. For use in California only. The one who works for you!
AssetShield 5 FIXED INDEX ANNUITY For use in California only. The one who works for you! AssetShield 5 Fixed Index Annuity Every retirement is different, with different financial goals and needs. Still,
More informationATHENE Enhanced Choice 12 Fixed Index Annuity
ATHENE Enhanced Choice 12 Fixed Index Annuity S7217 (R12-14) Issued by Athene Annuity & Life Assurance Company (5-15) An annuity with built-in flexibility for your changing needs Each year, many Americans
More informationBCA Elevate 12. Turn Your Inherited IRA Into Lifetime Income (08/18)
BCA Elevate 12 Turn Your Inherited IRA Into Lifetime 83096 (08/18) A New Option for Inherited IRAs What you do with your inheritance today can help create a more independent retirement years from now.
More informationAviva Income Preferred Bonus
Aviva Income Preferred Bonus Fixed Indexed Annuity We are building insurance around you. 55542 (Rev. 8/12) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return
More informationCHARTING A COURSE FOR RETIREMENT
CHARTING A COURSE FOR RETIREMENT SHOULD YOU CONSIDER FIXED INDEX ANNUITIES AS A PART OF YOUR STRATEGY? Chris Kirk Kirk Financial Group (410) 381-8007 www.kirkfg.com G17074 (03/17) IMPORTANT FEATURES OF
More informationSafe Outlook Annuity A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Outlook Annuity A fixed-indexed annuity The Simple Summary 3 Things to Know About the Safe Outlook Annuity: Provides penalty-free withdrawals Offers
More informationfor a secure Retirement Integrity Gold (INDEX-5-07)* *Form number varies by state.
for a secure Retirement Integrity Gold (INDEX-5-07)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard
More informationMAKING THE DECISION TO BUY AN ANNUITY IS AN IMPORTANT STEP IN YOUR RETIREMENT PLAN.
MAKING THE DECISION TO BUY AN ANNUITY IS AN IMPORTANT STEP IN YOUR RETIREMENT PLAN. The key is having enough accurate and reliable information so you know you are making decisions that are right for you.
More informationReady. Aim. Retire. Fixed Indexed Annuities. with Income Riders Issued by Athene Annuity and Life Company, West Des Moines, IA (09/28/15)
Ready. Aim. Retire. Fixed Indexed Annuities with Income Riders 55757 Issued by Athene Annuity and Life Company, West Des Moines, IA (09/28/15) Why choose an annuity? Annuities provide insurance against
More informationfor a secure Retirement Foundation Gold (ICC11 IDX3)* *Form number and availability may vary by state.
for a secure Retirement Foundation Gold (ICC11 IDX3)* *Form number and availability may vary by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans,
More informationSecureOption Select A fixed deferred annuity. safety and certainty on your terms. hij abc
SecureOption Select A fixed deferred annuity safety and certainty on your terms hij abc SecureOption Select safety, certainty and control What is an annuity? Annuities are offered by insurance companies
More informationPRODUCT GUIDE. Royal Select. fixed indexed annuity. The SOLUTION Before life presents the problem.
PRODUCT GUIDE Royal Select fixed indexed annuity The SOLUTION Before life presents the problem. Royal Select Fixed Indexed Annuity The Oxford Life Royal Select Fixed Indexed Annuity offers you the opportunity
More information10 Things to Consider in
RETIREMENT INCOME PLANNING for Ages 35 to 50 Compliments of Jennifer & Eric Lahaie Jennifer & Eric Lahaie Eric and Jennifer Lahaie are the owners and founders of JEHM Wealth & Retirement. With years of
More informationRetirement Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationSafe Return A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Return A fixed-indexed annuity 3 Things to Know About Safe Return: Provides penalty-free withdrawals Return of premium guarantee Bailout feature on
More informationWhat about you? Why not give us a try you won t be sorry!
Choosing the RIGHT Fixed Annuity Income Rider IS YOUR Fiduciary Responsibility! If you re a fixed annuity advisor in 2017; you KNOW the new DOL Fiduciary standards affect all TQ annuity sales beginning
More informationCharter Plus 10 Fixed Index Annuity
25304Z REV 7-17 North American Charter Plus 10 Fixed Index Annuity Retirement. many people, retirement is viewed as a time of rest and reflection. They have worked hard and planned diligently to ensure
More informationFind Out How Much You May Really Need
Find Out How Much You May Really Need to Retire with Confidence 1300023 What s Your Number? At J.D. Mellberg Financial, one of our flagship strategies is using a fixed index annuity with select rider
More informationAthene Ascent SM Income Rider Athene Ascent SM 10 Bonus 2.0 Annuity Supplemental Illustration
Athene Ascent SM Income Rider Athene Ascent SM 10 Bonus 2.0 Annuity Supplemental Illustration Owner/Annuitant: Valued Client Issue age: 55 Assumed Issue Date: January 15, 2018 Assumes Initial Premium Amount
More informationFixed Index Annuity Eagle Advisory 8 Soar Higher
Fixed Index Annuity Eagle Advisory 8 Soar Higher Issued By: Eagle Life Insurance Company West Des Moines, IA 50266 www.eagle-lifeco.com 866-526-0995 Eagle Life s Beginning Eagle Life is an annuity provider
More informationAmerican Legend III A fixed-indexed annuity
Issued by Great American Life Insurance Company American Legend III A fixed-indexed annuity The Simple Summary 3 Things to Know About the American Legend III: Accepts additional purchase payments Provides
More informationCD Shoppers' Guide. Daniel R Chen FPA. Provided to you by:
CD Shoppers' Guide Provided to you by: Daniel R Chen 732-982-2170 FPA CD Shoppers' Guide Written by Financial Educators Presented by Daniel R Chen 732-982-2170 FPA Securities and Advisory services offered
More information25296Z REV PrimePath 9 Fixed Index Annuity
25296Z REV 3-18 PrimePath 9 Fixed Index Annuity Your PrimePath 9 to Retirement Planning for retirement can be overwhelming will I have enough to retire? How much is enough? How much longer will I need
More informationThe retirement squeeze
The retirement squeeze Sandwich generations feeling the pressure of retirement planning 26279Z PRT 7-17 4350 Westown Parkway West Des Moines, IA 50266 www.northamericancompany.com 1 How prepared are you
More informationChoice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!
American Equity Simple Choices for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and building
More informationLifetime Income Benefit Rider
Lifetime Income Benefit Rider Choice Series Version American Equity Simple Choices for a Secure Retirement The one who works for you! You ve Done the Work. Now Enjoy the Ride. You worked hard. From saving
More information10 Steps to a SUCCESSFUL RETIREMENT. Chris O Dell. Compliments of
10 Steps to a SUCCESSFUL RETIREMENT Compliments of Chris O Dell Are you approaching retirement? You ve probably been planning for retirement in some way, shape or form for many years. Maybe you participate
More informationTraditions Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you.
American Equity Gold Standard for a Secure Retirement The one who works for you. A Good Plan is Always Better Than a Good Guess. The security of your future begins today with sound planning, and building
More information5BIG THREATS TO YOUR RETIREMENT
5BIG THREATS TO YOUR RETIREMENT As your career winds down, consider incorporating a wealth preservation strategy to help protect your nest egg and, through proper strategy, generate income for life. Welcome
More informationAmerican Landmark 5 A fixed-indexed annuity from Great American Life Insurance Company
American Landmark 5 A fixed-indexed annuity from Great American Life Insurance Company 1 2 Photo submitted by Anthony from Pennsylvania, Great American customer since 2016. Help Secure Your Retirement
More information10 Annuity Secrets. You Need to Know! 1 R e t i r e V i l l a g e 1 0 A n n u i t y S e c r e t s
10 Annuity Secrets You Need to Know! 1 R e t i r e V i l l a g e 1 0 A n n u i t y S e c r e t s Google Annuity: Throughout the internet you will find two completely different views about annuities, many
More informationAmerican Freedom Elevate 5 A fixed annuity from Great American Life Insurance Company
American Freedom Elevate 5 A fixed annuity from Great American Life Insurance Company 2 Photo submitted by Rebecca from Ohio, Great American customer since 2001. Simplify Your Path To Financial Security
More informationSmart Financial Strategies
Exploring your retirement possibilities. Smart Financial Strategies 01 Smart Financial Strategies Will you have enough? The changing face of retirement Increased life spans and earlier retirements are
More informationAmerican Equity s. Choice 6. Protection. Income. Guaranteed. The one who works for you! For use in California only.
American Equity s Choice 6 Protection. Income. Guaranteed. The one who works for you! For use in California only. Choice 6 Fixed Index Annuity Every retirement is different, each with its own financial
More informationIndexed Annuities. Annuity Product Guides
Annuity Product Guides Indexed Annuities An annuity that claims to offer longevity protection along with liquidity and upside potential but doesn t do any of it well Modernizing retirement security through
More informationSecureOption Focus. A fixed deferred annuity. Your future Your focus. hij abc
SecureOption Focus A fixed deferred annuity Your future Your focus hij abc It s time to focus on YOUR needs for the future with the guarantees provided by SecureOption Focus. Securian offering financial
More informationLifetime Income Benefit Rider
for a secure Retirement Lifetime Income Benefit Rider (LIBR-2010)* Included automatically on most Fixed Indexed Annuities** for use with Fixed Indexed Annuities *May vary by state. Not available in all
More informationPremier Foundation Indexed Annuities
Premier Foundation Indexed Annuities Premier Foundation Indexed Annuities Discover What s Possible PM8285 Page 1 of 12 The Penn Mutual Life Insurance Company The Penn Insurance and Annuity Company Plan
More informationSave today so you can savor tomorrow
Principal Universal Life Accumulation II SM Save today so you can savor tomorrow BB10843-04 Protect your family or business You have many people in your life who depend on you. Are you confident they ll
More informationLife insurance Put a little life in your retirement. Principal Indexed Universal Life AccumulationSM BB
Life insurance Put a little life in your retirement Principal Indexed Universal Life AccumulationSM BB11868-02 With a little planning and determination, you can turn your financial goals into reality.
More informationChoice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!
American Equity Simple Choices for a Secure Retirement The one who works for you! A Good Plan is Always Better Than a Good Guess The security of your future begins today with sound planning and a dependable
More informationThe Allianz American Legacies Pulse Survey
The Allianz American Legacies Pulse Survey Exploring the impact of the financial crisis on legacy strategies Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York ENT-1371-N
More informationPrincipal Universal Life Accumulation II SM
FOR INDIVIDUALS The Principal Financial Group Principal Universal Life Accumulation II SM BB10843-02 Looking for coverage to provide the protection you need and the flexibility you seek? Principal Universal
More informationUnderstanding fixed index annuities
Allianz Life Insurance Company of North America Understanding fixed index annuities M-5217 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In past years, the financial markets have experienced
More informationRetirement Chapters 10 Fixed Index Annuity
Retirement Chapters 10 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company Delaware Life Delaware Life is dedicated to supporting you with valuable, straightforward
More informationSteady income with growth potential
Steady income with growth potential Secure Income through the Vanguard Variable Annuity Product issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial
More informationPlanning now gives you more options later
Long-term care Quick reference NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY Planning now gives you more options later ICCI7-LAM-1795AO.4 Long-term care involves a variety of support and services designed
More informationANNUITY BUYERS GUIDE. Does Your Retirement Have The Happy Factor?
ANNUITY Does Your Retirement Have The Happy Factor? PLUS ANSWSER TO: ROLLING OVER YOUR 401(K) OR IRA S, LEGACY PLANNING TRICKS, AND MUCH, MUCH MORE! xvfsf 2016 ANNUITY Our Mission: Our mission is to provide
More informationPREPARING FOR A MORE COMFORTABLE RETIREMENT
PREPARING FOR A MORE COMFORTABLE RETIREMENT As financial professionals who specialize in helping government employees transition from work to retirement, we understand that you may have questions about
More informationTraditions Gold. American Equity. Gold Standard for a Secure Retirement. For use in California only. The one who works for you!
American Equity Gold Standard for a Secure Retirement The one who works for you! For use in California only. A Good Plan is Always Better Than a Good Guess The security of your future begins today with
More informationAnnuities. Preparing for a secure financial future. FIN1763-2
Annuities Preparing for a secure financial future. FIN1763-2 We all dream of living comfortably in the future Your dreams of a comfortable, financially secure future for you and your family are as individual
More informationAdvantage IV Variable Annuity
Advantage IV Variable Annuity IT S ALWAYS THE RIGHT TIME It s never too late to get where you want to go When you begin saving for retirement at the beginning of your career, you re giving yourself the
More informationYOU DESERVE BOTH. PROTECTION AND GROWTH OPPORTUNITY. PruSecure Select SM FIXED INDEXED ANNUITY. Prudential Annuities
Prudential Annuities PruSecure Select SM FIXED INDEXED ANNUITY PROTECTION AND GROWTH OPPORTUNITY. YOU DESERVE BOTH. Issued by Prudential Annuities Life Assurance Corporation. This material must be preceded
More informationAssured Income. Fixed Index Annuity Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Assured Income 7 Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company The Retirement Planning Challenge: Creating Income That Lasts Retirement will likely be
More informationPremier Bonus An indexed annuity from Great American Life Insurance Company
Premier Bonus An indexed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 2 Photo submitted by Adrienne from Pennsylvania, Great American customer since 2002. Help Secure Your
More informationPremier Eagle 10. Declared Interest Rate Fixed Annuity. The one who works for you!
Premier Eagle 10 Declared Interest Rate Fixed Annuity The one who works for you! Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard everyday
More informationThe 4% rule or Core Income 7?
Core Income 7 Annuity (R-7/2017) Allianz Life Insurance Company of North America The 4% rule or Core Income 7? Seeking guarantees and opportunity amid market volatility When it comes to retirement planning,
More informationFixed Annuities. Annuity Product Guides. A safe, guaranteed and tax-deferred way to grow your retirement savings.
Annuity Product Guides Fixed Annuities A safe, guaranteed and tax-deferred way to grow your retirement savings Modernizing retirement security through trust, transparency and by putting the customer first
More informationSecureGain 7 Annuity A fixed annuity from Great American Life Insurance Company
SecureGain 7 Annuity A fixed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 2 Photo submitted by Brian from California. Simplify Your Path To Financial Security With The SecureGain
More information