Preparing for the challenges in retirement. Preparing for retirement ANNUITIES VARIABLE
|
|
- Deirdre Hollie Cunningham
- 5 years ago
- Views:
Transcription
1 Preparing for retirement ANNUITIES VARIABLE Preparing for the challenges in retirement ISSUED BY METLIFE INVESTORS INSURANCE COMPANY, METLIFE INVESTORS USA INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY AND IN NEW YORK, ONLY BY FIRST METLIFE INVESTORS INSURANCE COMPANY
2 Preparing for the FUTURE is like planning a road trip. You need to know where you re going and what you ll do if you hit an unexpected bump in the road. What you ll find in this brochure what would happen if... You lived longer than expected... pg 3 The stock market declined at just the wrong time... pg 4 Your taxable accounts don t cut it... pg 5 Inflation eroded your purchasing power... pg 6 You died unexpectedly... pg 7 Your financial needs change... pg 8 The Preference Premier variable annuity is issued by Metropolitan Life Insurance Company. All other variable annuities are issued by MetLife Investors Insurance Company, MetLife Investors USA Insurance Company and in New York, only by First MetLife Investors Insurance Company. All are MetLife companies and are referred to collectively and singly as MetLife throughout this brochure. This material is authorized for distribution only when preceded or accompanied by a prospectus for a MetLife insurance company variable annuity. Depending on the state in which you live and on your specific variable annuity product, some features described in this brochure may not be available. Please consult with your financial professional. Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value
3 What is a variable annuity? In simplest terms, a variable annuity is a long-term contract between you and an insurance company in which the insurance company makes periodic lifetime payments to you. A variable annuity contains investment options that have the potential to grow and insurance features that offer protection, such as living and death benefits. Although a variable annuity may be an appropriate choice for some people as part of an overall retirement portfolio, it is not suitable for everyone. You should speak to your financial professional to discuss whether a variable annuity is right for you. Please read the prospectus for complete details before investing. To provide the investment and insurance-related benefits, variable annuities contain certain fees, including contract fees, a mortality and expense and administration charge (or separate account charge), and variable investment option charges and expenses. Optional living and death benefit riders carry additional charges and must be elected when the contract is issued. Like most investments, variable annuity contracts will fluctuate in value and may be impacted by market declines, even when an optional protection benefit rider is elected. Variable annuities: Are one of the only investments you can buy that offer income for life, no matter how long you live. Offer investment options to help you diversify and grow your purchase payments on a tax-deferred basis. 1 This may help you keep pace with inflation. Offer a variety of optional living and death benefit riders that can help grow and protect immediate or future income and help provide for your loved ones, regardless of market conditions. Give you the flexibility to withdraw portions of your account value if you choose. You can use the money as an ongoing source of income or withdraw it periodically, as unexpected financial needs arise. Variable annuities are long-term investments. As a result, if you take withdrawals too soon, a withdrawal charge may apply. Withdrawals of taxable amounts are subject to ordinary income tax and a 10% Federal income tax penalty may apply if made prior to age 59½. Withdrawals will also reduce the living and death benefits and account value. Please see the prospectus for complete details. Guarantees apply to certain insurance and annuity products, including optional benefits, (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer s claims-paying ability and financial strength. 1 If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration. 1
4 You can be prepared. You re in the driver s seat. As you look to the future, you may aspire to live a certain lifestyle in retirement. Whether you choose a lifestyle that is challenging and invigorating or carefree and relaxed, you will want one that is at least comparable to the one you live today and one that is free of financial worries. Don t worry. You are in the driver s seat. With planning and assistance from your financial professional, you can take control of your future, help prepare for the uncertainties as well as the possibilities and live retirement the way you want. A variable annuity can help. But security in retirement doesn t happen automatically. It takes planning. And the foresight to protect your retirement income from the big IFs in life the uncertainties that can cause you to go down the wrong road. The specific features, benefits, charges and expenses of the variable annuity are described in the prospectus for the product and are summarized in other related marketing material that accompanies this brochure. 2
5 Life lasts. How long will you live? There s no way to know. You could be retired for as long as you worked. That s because, on average, people are living longer. In the coming years, it may be quite common for people to remain active well into their 80s and 90s. While this sounds like good news, most people are not planning on needing income for that length of time. As a result, they run the risk of outliving their assets. Financial experts call this longevity risk and it s one of the primary reasons to consider a variable annuity as a part of your overall retirement strategy. A variable annuity is one of the few products individuals can buy that offers the option of payments for life, no matter how long you live. These payments are backed by the claims-paying ability and financial strength of the company that issues your annuity. They help ensure that, during your retirement years, you can experience a special kind of security: income you can count on for life. Among married couples, both age 65, there s a 50% chance of one spouse living to age 92 and a 25% chance of one spouse living to age American life expectancy at birth for the total population has reached a record high of years, an increase of nearly 10 years in the last 50 years alone. 2 This means your retirement could last 20 to 30 years, or longer. It s your retirement income. What will you choose? A variable annuity may offer you these retirement income options: YEARS TO LIVE AMERICANS ARE LIVING LONGER. The average life expectancies of American males and females n Men n Women Receive payments for as long as you live. Receive payments that last throughout your lifetime, or at least a certain number of years if you die earlier than expected. You and your spouse receive payments that continue for as long as the last survivor lives. You and your spouse receive payments that will last as long as the last survivor lives, or at least a certain number of years if both of you die earlier than expected. Receive payments for a specified period of time. Not all income options are available within all products. See prospectus for details AGE 3 1 Source: Annuity 2000 Mortality Table; Society of Actuaries 2 Source:
6 Stock markets stumble. Over the long-term, history has shown that stocks can be a powerful way to grow your assets and outpace inflation. But caution is warranted. Over the short-term, stocks don t always travel in an upward direction. Sometimes, at moments that are inopportune for us for example, when we need retirement income stocks may stumble. While stocks can be powerful long-term investments, 12 of the past 50 years have ended in negative stock returns. 1 Variable annuities offer ways to benefit from up markets while protecting amounts invested from downturns. 60 THE UPS AND DOWNS OF EQUITIES 1 50 S&P 500 Index Returns (in percentages) Like other investments, variable annuities are subject to market risk and will fluctuate in value. However, MetLife variable annuities offer options called living benefits, available for an additional annual cost. Depending on the type of optional living benefit you choose, MetLife living benefits can: 2 Help provide a predictable level of income for life Offer the ability to lock in market gains, if account value increases on a contract anniversary, to assure a higher level of immediate or future income all regardless of how stock market fluctuations may affect your variable annuity s account value. For more detailed information on MetLife optional living benefits, see the prospectus and product brochure. Not all benefits are available with all products or in all states. Please consult with your financial professional to find out which ones are available to you. Any benefits due on the annuity are backed by the claims-paying ability and financial strength of the issuing insurance company. 1 Source: Morningstar Direct, 1/11. Past performance does not guarantee future results. 2 The following is provided through a benefit base and does not apply to the account value. 4
7 Compounding assets. The power of tax deferral A variable annuity is a tax-deferred investment, meaning that you don t have to pay taxes on your investment earnings until you withdraw them or they are distributed to you. By not paying taxes on these earnings, they have the potential to compound and accumulate faster since they are allowed to remain in your account. If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration. Taxable vs. Tax-Deferred Investments Because assets are allowed to compound over time, tax deferred investments have the potential to accumulate money faster than taxable investments earning the same rate of return. This chart illustrates tax deferral and how it can be effective over the long-term. It shows how an initial investment of $100,000 (non-qualified), compounded at 8% annually over 25 years, grows to $684,848 with taxes deferred. Once taxes are paid on the lump sum distribution, the amount is $480,151, which is still more than the $355,135 accumulated in a taxable investment over 25 years. Hypothetical Example. For Illustrative Purposes Only. $700k $560k $420k THE POWER OF TAX DEFERRAL $684,848 $480,151 $355,135 Variable Annuities from MetLife also provide investors with: Professionally managed investment options spanning a broad array of investment classes and management styles. Through them, you and your financial professional will have the tools you need to construct a properly diversified portfolio, according to virtually any asset allocation strategy you feel is right for you. $280k Asset allocation portfolios that make it easier to carry out your chosen asset allocation strategy. $140k $0 Tax Deferred Taxable This example assumes a 35% Federal income tax rate, assessed yearly for the taxable investment and at period-end for the tax deferred investment. The tax deferred and taxable investments do not represent any MetLife product or other investment. Lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the accounts shown. Please consider your personal investment horizon and income tax brackets, both current and anticipated, when making an investment decision as these may further impact the results of the comparison. The tax deferred investment does not reflect the deduction of mortality and expense and administration charges, investment option expenses, an annual contract fee and withdrawal charges. If such fees, charges and expenses were shown, the tax deferred performance would be lower. Likewise, the taxable investment does not reflect the deduction of fees, charges or expenses and if shown, would reduce the performance of the taxable investment. Taxable distributions are subject to ordinary income tax and if taken prior to age 59½, may also be subject to a 10% Federal income tax penalty. 5
8 Costs climb. When planning for tomorrow s expenses, you can t think in terms of today s dollars. To truly achieve financial freedom in retirement, you need products that facilitate the growth potential of your investments so they have the best chance of growing faster than inflation. Historically, equities have provided long-term investors with the best opportunity to outpace inflation. 1 That s why variable annuities from MetLife offer a wide variety of equity options, from aggressive growth and international funds to more conservative choices. What s more, every dollar you invest in your variable annuity benefits from tax-deferral as long as it s held in your account, 2 as you build your assets. Transfers among investment options within your variable annuity are free of fees and current income taxes. 3 Annuities that are considered qualified under IRS rules provide no additional tax deferral benefit. A qualified variable annuity should be considered only for the additional features and benefits they can provide. INFLATION RISK $2+ $3+ per gal per gal Postage Stamp Dozen Eggs Gasoline 1 Past performance is not indicative of future results. 2 Withdrawals may be subject to withdrawal charges if made too soon. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken before age 59½, a 10% Federal income tax penalty may apply. Withdrawals will reduce the account value, cash surrender value, death benefits and living benefits. 3 MetLife variable annuity contracts and the underlying portfolios are not designed for market timing strategies such as programmed transfers, frequent transfers or transfers by one or more contract holders that are large in relation to the total assets of the underlying portfolios. We may limit transfers in circumstances of market timing or other transfers we determine are or would be to the disadvantage of other contract owners. Please refer to the prospectus for more details on transfers including waiver of fee. 4 Sources: 1960s Flashback, 1960 Economy/Prices, U.S. Department of Labor Statistics, Consumer Price Index, January
9 Family matters. Retirement planning isn t just about you. It s also about your spouse, partner and children anyone whose life can be critically affected by how you plan your future. How might your spouse or partner be affected if you die during a market downturn? How will you ensure that your children use their inheritance wisely? Protecting the people we care about is a great feeling which is why MetLife variable annuities offer standard and optional death benefits and other optional features to help you take care of your loved ones if you should die prematurely. Your spouse, partner, children and other beneficiaries can be affected by your retirement plans A variable annuity s death benefit can provide the assurance of knowing loved ones are taken care of A variety of death benefits are available (some for an additional cost), payable if you should die before beginning the lifetime income phase of your annuity. Depending on the one you choose, you can: 1 Ensure that your beneficiaries receive at least the amount you originally invested, adjusted for withdrawals Periodically lock in any market gains in the form of a higher death benefit amount Lock in any market gains in your account on a contract anniversary, in up markets and ensure a minimum rate of return in down markets Other optional features are also available that can: Help your spouse avoid current taxes should you die before beginning the lifetime payout phase of your annuity by continuing the contract under his or her name Schedule how and when your beneficiaries receive the death benefit in case you are concerned about their ability to properly manage the money they receive Although they should not be purchased solely to avoid probate, variable annuities offer a benefit not found in many other investments. The death benefit will not be subject to probate, provided it is transferred to a properly named beneficiary, which can help make a difficult time a little bit easier on your loved ones. 2 Under the Internal Revenue Code ( IRC ), spousal continuation and certain distribution options are available only to a person who is defined as a spouse under the Federal Defense of Marriage Act or any other applicable Federal law. All contract provisions will be interpreted and administered in accordance with the requirements of the IRC. Therefore, under current Federal law, a purchaser who has or is contemplating a civil union or same-sex marriage should note that the favorable tax treatment afforded under Federal law would not be available to such same-sex partner or same-sex spouse. Same-sex partners or spouses who own or are considering the purchase of annuity products that provide benefits based upon status as a spouse should consult a tax advisor. 1 The following is provided through a benefit base and does not apply to the account value. Additional charges apply for optional death benefits. 2 In general, the annuity benefit passing to your designated beneficiary will still be included in your taxable estate for estate tax purposes. Probate rules may differ in each state. Be sure to speak with your attorney to coordinate the beneficiary designation with the remainder of your estate plan. Beneficiary must be living when the owner dies. 7
10 Financial needs change. It s nice to know that, with a MetLife variable annuity, you have the flexibility to withdraw portions of your account value, if you choose. You can use the money as an ongoing source of income or withdraw it periodically, as unexpected financial needs arise. You will want to use these features judiciously, as withdrawals of taxable amounts are subject to ordinary income taxes and, if made before age 59½, a 10% Federal income tax penalty may apply. Withdrawals of principal may be subject to withdrawal charges. Withdrawals also reduce your account value, death benefit and the benefits of any optional living benefit riders that you may elect with your contract. Financial freedom in retirement. Retirement can be the best time of your life. All you need to do is be ready. Work with your financial professional on a comprehensive retirement strategy. Consider what life may have in store. Then, ask your financial professional if a MetLife variable annuity is right for you. 8
11 Stability counts. MetLife and its affiliates are dedicated to helping build financial freedom for everyone. MetLife 1 has a long history of leadership and integrity. Began its operations in 1868 Paid claims and cash surrenders throughout the Great Depression, while banks were closing their doors 2 Made the largest contribution to the U.S. war effort in World War II of any single investor 3 On September 11, 2001, MetLife responded quickly and decisively to the tragedy (first claim paid on 9/14) 4 and invested $1 billion in the U.S. economy All product guarantees, including optional benefits, are based on the claimspaying ability and financial strength of the issuing insurance company. Today MetLife is one of the most trusted names and well-respected brands in the world. MetLife, Inc. is a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 60 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. Over 90 of the nation s top one hundred FORTUNE companies trust MetLife to provide the financial tools and protection they need to live life to the fullest MetLife named one of Fortune Magazine s World s Most Admired Life/Health Insurance Companies of MetLife named 2011 Insurance Risk Manager of the Year by Risk magazine, an award based on our overall risk management program. 7 Variable Annuities from MetLife and its affiliates now you re in the driver s seat. 1 Metropolitan Life Insurance Company and its affiliates 2 Supporting Country and Community 3 MetLife Publication, 1946: About Our Work in 45 4 Robert H. Benmosche, MetLife, Inc. Chairman & CEO, July 1998 to March 2006, Public Statement 9/14/01 5 FORTUNE 500, April FORTUNE 500 is a registered trademark of FORTUNE magazine, a division of Time, Inc. 6 FORTUNE magazine, Most Admired Companies, March 21, 2011 issue 7 Risk Awards Risk Magazine January 10,
12 You can be prepared for retirement. Investment Performance Is Not Guaranteed. This material must be preceded or accompanied by a prospectus for variable annuities issued by MetLife Investors Insurance Company, MetLife Investors USA Insurance Company, First MetLife Investors Insurance Company or Metropolitan Life Insurance Company. Prospectuses for the investment portfolios are available from your financial professional. The contract prospectus contains information about the contract s features, risks, charges and expenses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits. Variable annuities are long-term investments designed for retirement purposes. MetLife variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All contract and rider guarantees, including optional benefits and any fixed account crediting rates or annuity payout rates, are backed by the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance companies and the underwriter do not back the claims-paying ability and financial strength of the broker/dealer or its affiliates. Please contact your financial professional for complete details. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income tax penalty. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor. MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisors regarding your particular set of facts and circumstances. The Preference Premier variable annuity is issued by Metropolitan Life Insurance Company on Policy Form Series PPS (07/01) and is offered through MetLife Securities, Inc. and New England Securities Corporation. Variable annuities, other than Preference Premier, are issued by MetLife Investors Insurance Company on Policy Form Series 7150 (12/00), MetLife Investors USA Insurance Company on Policy Form Series 8010 (11/00) and in New York, only by First MetLife Investors Insurance Company on Policy Form Series 6010 (02/02) and Policy Form Series 4506 (06/02). All products are distributed by MetLife Investors Distribution Company. All are MetLife companies. May 2011 Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value MetLife Investors Insurance Company MetLife Investors USA Insurance Company MetLife Investors Distribution Company 5 Park Plaza, Suite 1900 Irvine, CA Metropolitan Life Insurance Company First MetLife Investors Insurance Company 200 Park Avenue New York, NY METLIFE, INC. PEANUTS 2011 Peanuts Worldwide CLVA7319 L [0612] MetLife Securities, Inc. New England Securities Corporation 1095 Avenue of the Americas New York, NY 10036
Build your bridge. MetLife Guaranteed Access Benefit. Transition from saving to spending with more confidence ANNUITIES PREMIUMI DEFERRED VARIABLE
GLE PREMIUMI DEFERRED ANNUITIES VARIABLE MetLife Guaranteed Access Benefit SM Build your bridge Transition from saving to spending with more confidence ISSUED BY METLIFE INSURANCE COMPANY USA AND IN NEW
More informationI CAN make the most of my qualified retirement assets. MetLife Income Annuity SM
I CAN make the most of my qualified retirement assets MetLife Income Annuity SM meet Allison Hypothetical Example. For Illustrative Purposes Only. Allison, age 70, is a retired business woman who must
More informationLIFE INSURANCE. live life. your way
LIFE INSURANCE live life. your way Life. your way SM Preserve your lifestyle. Strive to live your dream in life. Discover the flexibility of life insurance protect, accumulate and transfer wealth now and
More informationI CAN make the most of my qualified retirement assets. MetLife Income Annuity SM
I CAN make the most of my qualified retirement assets MetLife Income Annuity SM meet Allison Hypothetical Example. For Illustrative Purposes Only. Allison, age 70, is a retired businesswoman who must begin
More informationLifetime Withdrawal GuaranteeSM
Lifetime Withdrawal GuaranteeSM ANNUITIES VARIABLE Brighthouse Prime Options SM Variable Annuity Annuities are issued by Brighthouse Life Insurance Company. Guarantees are subject to the financial strength
More informationTransition to a lifetime of financial security.
A Variable Annuity Guide for Individuals Transition to a lifetime of financial security. MassMutual Transitions Select SM variable annuity Financial security starts with good decisions Your future financial
More informationa foundation forlife
LIFE WHOLE MetLife Promise Whole LifeSM disclosure - circ 230. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income tax penalty.
More informationThe Right Time To Begin Social Security Benefits CREATE THE RETIREMENT OF A LIFETIME
The Right Time To Begin Social Security Benefits 67 70 ifyou COULD CREATE THE RETIREMENT OF A LIFETIME 62 How can you maximize the monthly Social Security benefits to which you re entitled? When should
More informationPrudential ANNUITIES ANNUITIES UNDERSTANDING. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey.
Prudential ANNUITIES UNDERSTANDING ANNUITIES Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0160994-00008-00 Ed. 05/2017 Meeting the challenges of retirement
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 informationameritas Advisor Services A Division of Ameritas Life Insurance Corp.
ameritas Advisor Services A Division of Ameritas Life Insurance Corp. The No-Load Insurance Pioneer client highlights Guaranteed Lifetime Withdrawal Benefit Ameritas No-Load Variable Annuity PF 503 Ed.
More informationComplete your retirement picture with guaranteed income
Complete your retirement picture with guaranteed income ANNUITIES INCOME Brighthouse Income Annuity SM Add immediate income for more certainty. All guarantees are subject to the claims-paying ability and
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
More informationFlexible. for the ways life unfolds. FlexChoice. Not for use in the state of New York. brighthousefinancial.com ANNUITIES VARIABLE
01 What is FlexChoice? Flexible for the ways life unfolds. ANNUITIES VARIABLE FlexChoice Not for use in the state of New York. brighthousefinancial.com All guarantees are subject to the claims-paying ability
More informationHistorical Price Returns
ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Level 10 SM Annuity Historical Price Returns Over the long term, history has shown that equities can be a powerful way to help grow your assets and
More informationFor Married Couples. A combined approach for reliable retirement income. Brighthouse FlexChoice Brighthouse Guaranteed Income Builder SM
For Married Couples A combined approach for reliable retirement income ANNUITIES VARIABLE & INCOME Brighthouse FlexChoice Brighthouse Guaranteed Income Builder SM brighthousefinancial.com All guarantees
More informationLIFE Universal. Legacy Advantage Survivorship Universal Life SM. protect. preserve and transfer wealth
LIFE Universal Legacy Advantage Survivorship Universal Life SM protect preserve and transfer wealth Life. your way SM Strive to live your dream and plan for the if in life. Discover the flexibility of
More informationINDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity FAC0265N10-1017 o WHY CHOOSE A FIXED INDEXED ANNUITY A fixed indexed annuity is a long-term contract between you and an insurance company that
More informationIncome Advantage SM. Pacific. Client Guide. with a Guaranteed Withdrawal Benefit. for Edward Jones
Pacific Income Advantage SM with a Guaranteed Withdrawal Benefit A Deferred Fixed Annuity for Secure Retirement Income 12/15 96035-15A Client Guide for Edward Jones Why Pacific Life Pacific Life has more
More informationLIFE UNIVERSAL. Guarantee Advantage Universal Life. protection. for life
LIFE UNIVERSAL Guarantee Advantage Universal Life LIN BAN protection for life Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate
More informationLifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings
Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Get there. Your way. Lifetime Retirement Planning with Wells Fargo Advisors 1 Guaranteed income for
More informationINDEX ADVISORYSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX ADVISORYSM Deferred, Fixed Indexed Annuity FAC0059-0517 o WHY CHOOSE A FIXED INDEXED ANNUITY A fixed indexed annuity is a long-term contract between you and an insurance company that helps:
More informationLIFE WHOLE. MetLife Promise Whole Life. life. a foundation for
LIFE WHOLE MetLife Promise Whole Life SM LIN BAN a foundation for life Life. your way SM Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate
More informationPACIFIC LIFE VARIABLE ANNUITIES
PACIFIC LIFE VARIABLE ANNUITIES Plan Your Retirement. Protect Your Family. 8/16 13141-16B o WHY CHOOSE A VARIABLE ANNUITY A variable annuity is a long-term contract between you and an insurance company
More informationINDEX CHOICE Deferred, Fixed Indexed Annuity
PACIFIC INDEX CHOICE Deferred, Fixed Indexed Annuity FAC0114-0617 o WHY CHOOSE A FIXED INDEXED ANNUITY A fixed indexed annuity is a long-term contract between you and an insurance company that helps: o
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 informationENHANCE YOUR FINANCIAL LEGACY
ENHANCE YOUR FINANCIAL LEGACY Variable Annuities with Death Benefits For California VAC0225CA-0517 AS YOU PLAN FOR RETIREMENT, PROTECT YOUR LOVED ONES A Pacific Life variable annuity can offer three death
More informationPacific. ExpeditionSM. A Deferred Fixed Annuity for a Confident Retirement. Client Guide A 5/12
Pacific ExpeditionSM A Deferred Fixed Annuity for a Confident Retirement Client Guide 85000-12A 5/12 The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed
More informationAn Introduction to Indexed Annuities
An Introduction to Indexed Annuities Grow and Protect Your Assets Indexed annuities are a special type of fixed annuity that offers market-linked growth with little to no downside risk. While they typically
More informationInnovative, flexible, low-cost retirement solution
TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity What s inside 1 Innovating to better meet your retirement needs 2 The reality of retirement
More informationOptimizing a Key Component of Your Benefit Package for Highly Compensated Employees
Optimizing a Key Component of Your Benefit Package for Highly Compensated Employees Group Variable Universal Life Group Life A Different Life Insurance Solution for the Different Needs of Your Highly Compensated
More informationPlanning ahead. Understanding your 403(b) plan. Plan Participant Guide RETIREMENT PLAN SERVICES
Planning ahead Understanding your 403(b) plan The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Plan Participant Guide RETIREMENT PLAN SERVICES 2073285 It all starts
More informationUnderstanding Annuities: A Lesson in Variable Annuities
Understanding Annuities: A Lesson in Variable Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income
More informationclarifying life s choices Life Insurance Selector Made Easy Producer Guide LIFE INSURANCE
LIFE INSURANCE SM Life Insurance Selector Made Easy Producer Guide clarifying life s choices For Producer or Broker/Dealer Use Only. Not for Public Distribution. CoNtENtS Getting Started with the Life
More informationThe Basics of Annuities: Planning for Income Needs
May 2014 The Basics of Annuities: Planning for Income Needs summary the facts of retirement Earning income once your paychecks stop that is, after your retirement requires preparing for what s to come
More informationCHART A PATH TOWARDS FINANCIAL SECURITY AND INDEPENDENCE A STEP-BY-STEP GUIDE FOR WOMEN OF DISTINCTION
CHART A PATH TOWARDS FINANCIAL SECURITY AND INDEPENDENCE A STEP-BY-STEP GUIDE FOR WOMEN OF DISTINCTION Map Out a Path to Help Achieve Financial Security and Independence Life is full of uncertainty you
More informationIncome for Life + Living + You
Income for Life + Living + You ANNUITY INCOME Brighthouse Guaranteed Income Builder Available as a Qualifying Longevity Annuity Contract. Income options and features may vary by state or firm. Table of
More informationNicholson Financial Services, Inc. March 15, 2018
Nicholson Financial Services, Inc. David S. Nicholson Financial Advisor 89 Access Road Ste. C Norwood, MA 02062 781-255-1101 866-668-1101 david@nicholsonfs.com www.nicholsonfs.com Variable Annuities Variable
More informationONcore Variable Annuities
ONcore Variable Annuities Plan Accumulate Protect Access Table of Contents 2 Plan Overcome Risk Through Planning 6 Accumulate Accumulate Wealth and Manage Risk Using ONcore Variable Annuities 8 Protect
More informationCHOICE Variable Annuity Fact Sheet
PACIFIC CHOICE Variable Annuity Fact Sheet NO WITHDRAWAL CHARGE OPTION Why a Variable Annuity A variable annuity, like Pacific Choice, is a long-term contract between you and an insurance company that
More information12/ A. Titling Options for Your Nonqualified Deferred Annuity Contract
12/15 23236-15A Titling Options for Your Nonqualified Deferred Annuity Contract Planning for Retirement Whether you re approaching retirement or already retired, this is the time when your financial focus
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 informationVOYAGES Variable Annuity Fact Sheet
PACIFIC VOYAGES Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, like Pacific Voyages, is a long-term contract between you and an insurance company that helps you grow, protect, and
More informationProtective Variable Annuity Investors Series. Product Profile PAC.5076 (03.16)
Protective Variable Annuity Investors Series Product Profile PAC.5076 (03.16) Protect Tomorrow. Embrace Today.TM Facing the Retirement Savings Challenge We all know how important it is to save and grow
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 informationHelp protect those who matter most. The Nationwide Destination SM Series 2.0 variable annuities offer death benefits that can help you leave a legacy.
Nationwide Destination SM Series 2.0 variable annuities Death benefits guide Help protect those who matter most The Nationwide Destination SM Series 2.0 variable annuities offer death benefits that can
More informationODYSSEY Variable Annuity Fact Sheet
PACIFIC ODYSSEY Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, like Pacific Odyssey, is a long-term contract between you and an insurance company that helps you grow, protect, and
More informationINDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity
PACIFIC INDEX FOUNDATIONSM Deferred, Fixed Indexed Annuity FAC0265-0418 o WHY CHOOSE A FIXED INDEXED ANNUITY? A fixed indexed annuity is a long-term contract between you and an insurance company that helps:
More informationSECURE INCOME Fixed, Deferred Income Annuity
PACIFIC SECURE INCOME Fixed, Deferred Income Annuity FAC0555-1217 o WHY CHOOSE A FIXED, DEFERRED INCOME ANNUITY? A fixed, deferred income annuity is a long-term contract between you and an insurance company
More informationPACIFIC LIFE VARIABLE ANNUITIES
PACIFIC LIFE VARIABLE ANNUITIES Plan Your Retirement. Protect Your Family. VAC0229-0518 o WHY CHOOSE A VARIABLE ANNUITY A variable annuity is a long-term contract between you and an insurance company that
More informationGENERATE FUTURE RETIREMENT INCOME
GENERATE FUTURE RETIREMENT INCOME Using a Fixed Indexed Annuity with an Optional Benefit FAC0760-1117 WHAT MIGHT YOU FACE IN RETIREMENT? During your working years, you are likely focused on saving for
More information403(b) Tax Deferred Annuity Plan. Saving for the future you want
403(b) Tax Deferred Annuity Plan Saving for the future you want Many retirement experts agree...having the money you want in your later years comes from careful planning now. Important information: Variable
More informationSpousal Lifetime Access Trust Producer Guide. Transferring wealth. and retaining. spousal access
Spousal Lifetime Access Trust Producer Guide Transferring wealth and retaining spousal access Life. your waysm Lifeyour. way MetLife understands your business. We respect your entrepreneurial spirit as
More informationUnderstanding ANNUITIES
Understanding ANNUITIES An Overview for Your Retirement VLC0441-0917 TABLE OF CONTENTS Get Ready for Retirement.... 1 What Is an Annuity?.... 1 Who s Who in an Annuity?.... 2 Types of Annuities.... 3 Single
More informationlife a foundation for MetLife Promise Whole Life LIFE WHOLE
LIFE WHOLE MetLife Promise Whole Life SM LIN BAN disclosure - circ 230. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income
More informationMile Marker CONVERSATIONS RETIREMENT ROADMAP TO. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey.
Mile Marker CONVERSATIONS ROADMAP TO RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0287505-00003-00 Ed. 04/2017 Knowing what s down the road can help
More informationWhat is the status of Social Security? When should you draw benefits? How a Job Impacts Benefits... 8
TABLE OF CONTENTS Executive Summary... 2 What is the status of Social Security?... 3 When should you draw benefits?... 4 How do spousal benefits work? Plan for Surviving Spouse... 5 File and Suspend...
More informationHello and good morning/afternoon. I m with MetLife, and today I d like to talk to you about a new way that your clients can build future, pension
Hello and good morning/afternoon. I m with MetLife, and today I d like to talk to you about a new way that your clients can build future, pension like lifetime income. But this new annuity product from
More informationUnderstanding fixed annuities
Allianz Life Insurance Company of North America Understanding fixed annuities Protection for your retirement money M-5210 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In recent years, the
More informationDiversify your portfolio
FOR INCOME Lincoln InvestmentSolutions SM variable annuity Diversify your portfolio Client Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit Not
More informationINNOVATIONS SELECT Variable Annuity Fact Sheet
PACIFIC INNOVATIONS SELECT Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, like Pacific Innovations Select, is a long-term contract between you and an insurance company that helps
More informationAccumulating Funds in an Annuity: A Deferred Fixed Interest and Indexed Annuity Review
Accumulating Funds in an Annuity: A Deferred Fixed Interest and Indexed Annuity Review Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to
More informationVARIABLE ANNUITIES. MetLife Financial Freedom Select. B and L Class. Preparing. to reach your retirement goals
ANNUITIES VARIABLE MetLife Financial Freedom Select B and L Class Preparing to reach your retirement goals MetLife Financial Freedom Select As you look to the future, you may aspire to live a certain lifestyle
More informationPrepare for Market Volatility. Help Realize Financial Goals.
Prepare for Market Volatility. Help Realize Financial Goals. ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Level Selector Annuity SM Brighthouse Shield Level Selector 3-Year Annuity SM Issued by
More informationANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire
ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk tolerance
More informationRETIREMENT INCOME MAX RETIREMENT INCOME MAX
RETIREMENT INCOME MAX Maximize your retirement Income RETIREMENT INCOME MAX An optional rider for variable annuities issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa and Transamerica
More informationLincoln InvestmentSolutions
Lincoln InvestmentSolutions SM variable annuity With options for guaranteed growth and income LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
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 informationMEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION. Move confidently into the future REV 0418
MEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION Move confidently into the future 10003559 REV 0418 A financial services company serving financial institutions and their clients worldwide.
More informationCHOICE Variable Annuity Fact Sheet
PACIFIC CHOICE Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, like Pacific Choice, is a long-term contract between you and an insurance company that helps you grow, protect, and
More informationMetLife Financial Freedom Select. Preparing to reach retirement goals
B and L Class Annuities Variable MetLife Financial Freedom Select Preparing to reach retirement goals MetLife Financial Freedom Select As individuals look to the future, they may aspire to live a certain
More informationAmerican Freedom Aspire 5 A fixed annuity from Great American Life Insurance Company
American Freedom Aspire 5 A fixed annuity from Great American Life Insurance Company 2 Photo submitted by Jean from Illinois, Great American customer since 2001. Simplify Your Path To Financial Security
More informationGuaranteeing an Income for Life: An Immediate Income Annuity Review
Guaranteeing an Income for Life: An Immediate Income Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted...the risk that income will
More informationHartford Lifetime Income Summary booklet
Hartford Lifetime Income Summary booklet A group deferred fixed annuity issued by Hartford Life Insurance Company TABLE OF CONTENTS 2 HLI at a glance 4 Is this investment option right for you? 4 How HLI
More informationINCOME PROVIDER Single-Premium, Immediate Fixed Annuity
PACIFIC INCOME PROVIDER Single-Premium, Immediate Fixed Annuity FAC0718-1217 o WHY CHOOSE AN IMMEDIATE FIXED ANNUITY An immediate fixed annuity is a contract between you and an insurance company that helps:
More informationLIVE LIFE TO THE MAX TRANSAMERICA RETIREMENT INCOME MAX LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES
LIVE LIFE TO THE MAX TRANSAMERICA RETIREMENT INCOME MAX LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES This material was prepared for general distribution. It is being provided for informational
More informationMap Your Course. With preparation, you can help minimize your retirement risks. Underwritten by United of Omaha Life Insurance Company
Map Your Course With preparation, you can help minimize your retirement risks Underwritten by United of Omaha Life Insurance Company 284758 What s your retirement dream? Whether it s traveling the world,
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 informationBring retirement confidence into sight
Bring retirement confidence into sight ANNUITIES FIXED Fixed Annuity FA All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance
More informationVALUE SELECT Variable Annuity Fact Sheet
PACIFIC VALUE SELECT Variable Annuity Fact Sheet Why a Variable Annuity A variable annuity, such as Pacific Value Select, is a long-term contract between you and an insurance company that helps you grow,
More informationDemystifying Annuities
Demystifying Annuities Agenda Lessons from Mt. Everest Retirement Planning Considerations How do you know what s right for you All About Annuities Tools and Resources Questions The Perils of Descent What
More informationHelp Preserve Wealth for Your Beneficiaries
Help Preserve Wealth for Your Beneficiaries Using a Stretch Variable Annuity Strategy 6/15 23187-15B Consider a Pacific Life Variable Annuity A variable annuity is a long-term contract between you and
More informationUnderstanding FIXED ANNUITIES
Understanding FIXED ANNUITIES An Overview for Your Retirement VLC0440-0917 TABLE OF CONTENTS Get Ready for Retirement.... 1 What Is an Annuity?.... 1 What Is a Fixed Annuity?.... 1 Who s Who in an Annuity?....
More informationMultiVantage SM. Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company. Single Premium Deferred Annuity
MultiVantage SM Single Premium Deferred Annuity RISK MANAGEMENT FINANCIAL SOLUTIONS Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company CF-73-30000-1204 MultiVantage Secure
More informationSecureLiving SmartRate
Single Premium Deferred Annuity SecureLiving SmartRate with Optional Return of Premium Guarantee Prepare for the possibilities. Individual Single Premium Deferred Annuity issued by Genworth Life Insurance
More informationEstate Freezing Techniques. For Producer or Broker/Dealer Use Only. Not for Public Distribution.
Estate Freezing Techniques Agenda Identify Potential Clients Qualified Personal Residence Trust (QPRT) Grantor Retained Annuity Trust (GRAT) Installment Sale to an Intentionally Defective Irrevocable Trust
More informationIncome Protector. Allianz Vision SM Variable Annuity. Income to help sustain your lifestyle. Allianz Life Insurance Company of North America VSN-102
Allianz Life Insurance Company of North America Income Protector Income to help sustain your lifestyle Allianz Vision SM Variable Annuity VSN-102 Page 1 of 16 SOLUTIONS FOR RETIREMENT REALITIES This brochure
More informationMEMBERS Index Annuity
MEMBERS Index Annuity GUARANTEES, WITH FLEXIBILITY AND UPSIDE POTENTIAL Move confidently into the future IA-838877 2-065-077 A financial services company serving financial institutions and their clients
More informationLearn the Essentials. Discover how a level of protection and participation can lead to a brighter financial future. Brighthouse Shield Annuity
Learn the Essentials Discover how a level of protection and participation can lead to a brighter financial future. ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield Annuity SM Brighthouse Shield Level
More informationLIFE INSURANCE. Life Insurance as an Asset. A New Look. on Life
LIFE INSURANCE Life Insurance as an Asset A New Look on Life a valuable component financial of your portfolio Life insurance is for living. Wouldn t you live better if you had more confidence in your ability
More informationUnderstand the Market s Impact ANNUITIES SINGLE PREMIUM DEFERRED. Brighthouse Shield SM Annuity
Understand the Market s Impact ANNUITIES SINGLE PREMIUM DEFERRED Brighthouse Shield SM Annuity In applying the information provided in this material, you should consider your other assets, income, and
More informationBuyer s Guide for Deferred Annuities
ACTION: Final ENACTED DATE: 10/14/2014 12:28 PM Appendix 3901614 3901-6-14 1 APPENDIX C Buyer s Guide for Deferred Annuities What Is an Annuity? An annuity is a contract with an insurance company. All
More informationS E C U R E L I V I N G S E R I E S
S ECUREL IVING SERIES STABLE5 & STABLE5 NY Single Premium Fixed Deferred Annuities Issued by Genworth Life Insurance Company & Genworth Life Insurance Company of New York 40495 12/15/08 FOR PEOPLE WHO
More informationLincoln InvestmentSolutions SM
Lincoln InvestmentSolutions SM RIA variable annuity With options for guaranteed growth and income LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
More informationTRANSAMERICA INCOME EDGE SM LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES
TRANSAMERICA INCOME EDGE SM LIVING BENEFIT AVAILABLE WITH THE MEMBERS VARIABLE ANNUITY SERIES This material was prepared for general distribution. It is being provided for informational purposes only and
More informationTHREE SIMPLE STEPS TO ENROLL
University of Minnesota Retirement Plans Complete the application Match the results Complete the quiz Retirement for U THREE SIMPLE STEPS TO ENROLL Need help? A Securian Plan Specialist can provide information
More informationRetirement Guide: Saving and Planning
Retirement Guide: Saving and Planning It s Never Too Early to Start What You Need to Know About Saving for Retirement Many of us don t realize how much time we may spend in retirement. In fact, statistics
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 informationLet s Talk About: Leaving a Lasting Legacy ANNUITIES. Your future. Made easier. SM
Let s Talk About: Leaving a Lasting Legacy ANNUITIES Your future. Made easier. SM Let s talk What is an annuity? Annuities are long-term insurance contracts designed for investing for retirement. They
More informationGuaranteeing an Income for Life: An Immediate Fixed Income Annuity Review
Guaranteeing an Income for Life: An Immediate Fixed Income Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted...the risk that income
More information