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DO YOU FEEL UNCERTIAN ABOUT RETIERMENT?
it's almost imposable not to
80%
of Americans are nervous about retirement
DO YOU HAVE A RETIERMENT INCOME STREAM THAT YOU CAN'T OUTLIVE?
Most don't
73%
Of Americans are concerned about not having lifetime income
DO YOU HAVE A PLAN THAT CAN PROTECT YOU FROM SURPRISES?
It's ok if you don't we are here to help
71%
Of Americans are concerned about the risk of a financial surprise
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WHAT IS AN ANNUITY
An annuity is a financial contract between an individual and an insurance company that provides a guaranteed income stream in exchange for premiums paid. The payments can begin immediately or at some point in the future and are made on a regular basis for more than one year. Annuities are not considered life insurance.
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HOW WILL MY MONEY GROW
Choose from multiple crediting strategies to determine interest credited to your annuity. Allocate funds among available options and reallocate at the end of each term. Enjoy the security of knowing your money is protected from market fluctuations.
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WHAT IS THE VALUE OF AN ANNUITY
Annuities offer tax deferral, guaranteed lifetime income, and a death benefit. They protect principal, provide growth potential tied to indices, and typically offer higher interest rates. FIAs are liquid, allow unlimited contributions, and facilitate direct inheritance, bypassing probate.
Crediting strategies provide the following benefits:
Annual floor protection of 0%
Annual floor protection of 0%
0% anuale floor protection means, No matter what happens with the underlying index, you will never earn an interest credit less than 0%.
Interest credit lock-in
Interest credit lock-in
Once interest has been credited, it is locked in and cannot be lost due to future market changes.
Choices
Choices
You have multiple crediting strategies to choose from and can change your mind each strategy term.
FREE LIFETIME WITHDRAWALS
Series allows you to create your own pension. You can begin taking Lifetime Withdrawals after 1 year. Your lifetime withdrawal amount depends on your current Account Value and your age when you start lifetime withdrawals.
LIFETIME GARANTEE
Lifetime withdrawals are guaranteed for life as long as you don’t take any excess withdrawals – even if your account value falls to zero. An excess withdrawal will lead to a recalculation of the lifetime withdrawal.
COVERAGE AVALIBLE FOR YOU AND YOUR SPOUSE
When you begin lifetime withdrawals, you can decide if the withdrawals will last for your life (single) or as long as you or your spouse is alive (joint). Withdrawals can be taken monthly, quarterly, semiannually or annually.
PROTECTION FOR WHEN YOU NEED IT MOST
Wellness Withdrawals are automatically included with your annuity. After the 2nd policy year, you can receive a wellness withdrawal if you cannot perform two of six Activities of Daily Living. If you elected single lifetime withdrawals, then the wellness withdrawal will be double the amount of the lifetime withdrawal. Wellness withdrawals can last for five years.
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