1 FOR INCOME Immediate Annuities Lincoln SmartIncome SM Inflation Annuity Helping keep pace during your retirement Client Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not guaranteed by any bank or savings association
2 We believe... LINCOLN FOR INCOME Your income should weather the market s ups and downs Your income should last your lifetime Your income should have the potential to grow 1 Source: Ned Davis Research, 29. Based on the DJIA, 1901 to 29. Past performance does not guarantee future results. 2 U.S. Bureau of Labor Statistics, June Source: 20 Annuity Tables, Society of Actuaries, April LifePlans, Inc., Long-Term Care Market Summary, Research & Analysis; January 15, For a printed copy of the report, call 877 ASK-LINCOLN.
3 Your income should help protect your lifestyle It all comes down to lifestyle protection No matter what, you want a lifestyle you can count on in retirement regardless of the risks you ll face What could sabotage your retirement lifestyle? MARKET VOLATILITY No one can predict what the market will do or when it will do it. The market has experienced annual returns ranging from greater than 50% to less than 40%. 1 INFLATION You ll need to maintain your purchasing power. Based on historical average inflation rates, if you need $50,0 today, you will need over $131,0 in 25 years just to keep pace. 2 LONGEVITY Your retirement could last 20 to 30 years or more. One member of a 65-year-old couple today has a 50% chance of living to age 92 and a 25% chance of living to age TAXES They can take a big bite out of your income. The top marginal tax bracket for many retirees in 29 was 35%, so minimizing your tax burden can help stretch your savings. 4 HEALTHCARE Everyone needs it, and it can be expensive. Approximately 70% of Americans currently age 65 or older will need some type of long-term care and the costs are rising faster than inflation. 5 To have confidence that your retirement income can weather these challenges, you need the right solution.
4 See the power of inflation over time The longer you live, the greater the chance that inflation will erode the purchasing power of your money. If you rely on a fixed income for a number of years, inflation can become a serious concern. Over time, the purchasing power of that income significantly diminishes even though it is the same dollar amount, it won t buy as much as it did. The chart below shows how historical inflation, as measured by the Consumer Price Index-Urban (CPI) over the past 25 years, would affect the purchasing power of a $10,0 annual income. While the payment itself remains steady at $10,0, the purchasing power what it will actually buy diminishes with time. A note about measuring inflation: The Consumer Price Index-Urban, published by the U.S. Bureau of Labor Statistics and referred to in this brochure as the CPI, measures changes in the prices paid by urban consumers for a representative basket of goods and services. $10,0 $8,0 $6,0 $4,0 $2,0 Fixed annual income payments $4,394 Purchasing power 0 $ Data source: Bureau of Labor Statistics, August 29. Lincoln SmartIncome SM Inflation Annuity As you can see, inflation doesn t stop after retirement. Lincoln has a solution that helps maintain your purchasing power against inflation while protecting your income from market volatility so you can enjoy retirement. Lincoln SmartIncome SM Inflation Annuity, a single premium annuity, offers you: Inflation adjustments to your income payments, calculated annually, based on changes in the CPI Income that s guaranteed to last as long as you do Tax-efficiency for nonqualified money Emergency access to your Reserve Value Nursing home and terminal illness benefits Death benefit protection for your beneficiaries Control and flexibility
5 Income that lasts as long as you do This amount would be your first scheduled payment, which would provide you with an income for the rest of your life, provided you do not take any unscheduled payments. Even if the total income you ve received over the years exceeds your original premium, you ll continue to get checks for as long as you live. You choose when payments begin. You choose the payment frequency: monthly, quarterly, semiannually or annually, and you can select the date of your payments. Protection against inflation Here s how Lincoln SmartIncome SM Inflation Annuity protects your income payments and purchasing power. Your income checks are adjusted annually to follow shifts in inflation positive or negative as measured by the CPI. Since inflation was at 3.96%, your scheduled payment would have increased to $45,167. In the event of deflation, when the CPI decreases, you are protected with a guaranteed minimum payment amount, which is your initial scheduled payment. In this case, you ll be guaranteed to receive no less than $43,445 should deflation ever occur, as long as you do not take unscheduled payments. Any decreases that are not applied due to the guaranteed minimum payment amount will offset future increases in the CPI value. Tax-efficient income If you purchased Lincoln SmartIncome SM Inflation Annuity with after-tax dollars (nonqualified), then only the interest portion of each income payment is taxable until the cost basis is recovered. The amount indicated here, $38,5, would represent the nontaxable amount of your payment, while any interest portion earned is taxable. Protection from market volatility Your money is never invested in the market, which means your scheduled payments are protected from losses, and they have the potential to grow based on changes in the CPI. From and 28 29, which were years when the market was down, payments still increased as measured by a positive shift in the CPI. Keeping pace with infl Adjusting for inflation each year can have a powerful impa helping you to be able to buy the same bag of goods tomo following illustration shows what could have happened if a a Lincoln SmartIncome SM Inflation Annuity contract with $1 Values based on CPI change from Year ending Unscheduled payment CPI change Scheduled payment 12/31/1990 $0 N/A $43,445 12/31/1991 $0 3.96% $45,167 12/31/1992 $0 2.99% $46,517 12/31/1993 $0 3.05% $47,935 12/31/1994 $0 2.68% $49,217 12/31/1995 $0 2.67% $50,534 12/31/1996 $0 2.61% $51,850 12/31/1997 $0 3.26% $53,538 12/31/1998 $0 1.83% $54,517 12/31/1999 $0 1.55% $55,361 12/31/20 $0 2.62% $56,813 12/31/21 $0 3.45% $58,771 12/31/22 $0 1.90% $59,885 12/31/23 $0 2.20% $61,201 12/31/24 $0 1.77% $62,281 12/31/25 $0 3.52% $64,475 12/31/26 $0 3.46% $66,703 12/31/27 $0 1.97% $68,020 12/31/28 $0 4.31% $70,949 12/31/29 $0 1.07% $71,708
6 ation ct on your income over time rrow that you do today. The 65-year-old male had purchased,0,0 in * Nontaxable income Reserve Value Death benefit $38,5 $956,555 $956,555 $38,5 $949,294 $949,294 $38,5 $931,157 $931,157 $38,5 $911,603 $911,603 $38,5 $886,780 $886,780 $38,5 $859,967 $859,967 $38,5 $830,520 $830,520 $38,5 $804,017 $804,017 $38,5 $764,201 $764,201 $38,5 $720,670 $720,670 $38,5 $682,753 $682,753 $38,5 $647,512 $647,512 $38,5 $599,901 $599,901 $38,5 $551,888 $551,888 $38,5 $499,348 $499,348 $38,5 $452,464 $452,464 $38,5 $401,396 $401,396 $38,5 $341,298 $341,298 $38,5 $285,046 $285,046 $38,5 $216,387 $216,387 Emergency access through the Reserve Value The Reserve Value is your premium less any scheduled income payments, unscheduled payments, related charges and taxes. Each year, your Reserve Value adjusts to reflect changes in the CPI. You have the option to take emergency withdrawals, or unscheduled payments, from your Reserve Value as long as it s greater than $0. Please note that any unscheduled payments will significantly reduce your future regularly scheduled payments, including your guaranteed payment amount as well as your Reserve Value and death benefit, so carefully consider this before deciding to make an emergency withdrawal. Unscheduled payments over 10% of the Reserve Value taken in the first seven years are subject to unscheduled payment charges. If purchased prior to age 59½, any unscheduled payments taken within the first seven years, or before reaching age 59½, may subject current and prior taxable distributions to a 10% federal tax penalty. Nursing home and terminal illness benefits After your first contract year, you can choose to access your money without charges should you unexpectedly enter a nursing home or be diagnosed with a terminal illness as long as you meet certain conditions. The Lincoln SmartIncome SM Inflation Annuity Nursing Home and Terminal Illness Waiver Benefits Guide contains necessary requirements and additional details for exercising these benefits. The nursing home benefit is not available on contracts issued in the state of Massachusetts. Death benefit If you, the annuitant, pass away, you can name beneficiaries to receive a death benefit, which is the remaining Reserve Value. If there are joint annuitants, the death benefit is available after the death of both annuitants. Your beneficiaries are responsible for any taxes on the death benefit amount received. Lincoln SmartIncome SM Inflation Annuity offers you some control over your money After seven years, you can take any remaining Reserve Value out of the contract without incurring unscheduled payment charges. Based on this example and using this feature, you would have received $334,665 in scheduled payments over the first seven years and additionally have over $8,0 in remaining Reserve Value to take out. So you would have accumulated more than your $1,0,0 initial premium if you decided to take the remaining Reserve Value after seven years. * This chart and CPI values shown are for illustrative purposes only. Past changes in the CPI are no guarantee of future changes in the CPI or of future adjustments to a Lincoln SmartIncome SM Inflation Annuity contract. Actual future results may be more or less favorable than those shown. However, in no case will the scheduled payment adjustment result in a scheduled payment less than the applicable guaranteed minimum payment amount. Unscheduled payments are not available in New York. Hypothetical annual rates are displayed and no unscheduled payments are taken. Actual rates are determined at the time of purchase and are based on age, gender, effective date of the contract, date payments start and payment frequency.
7 Your right to end your contract We are confident you will value the benefits of Lincoln SmartIncome SM Inflation Annuity. However, if you choose, you have the right to cancel your Lincoln SmartIncome SM Inflation Annuity contract within 20 days after you receive your contract (state variations apply). This is known as a free look. To cancel your contract, send a written request for cancellation to the Home Office of the appropriate issuing company. We will return your premium paid less any payments made to you. Upon receipt of your written request, canceling your contract voids it from the beginning. If you cancel your contract, you cannot purchase another Lincoln fixed annuity product for a period of six months. If you want to terminate your contract for any reason after the first 20 days, you may do so as long as there is a remaining Reserve Value.* This is known as terminating your contract. During the first seven years of the contract, you will incur an unscheduled payment charge as described in the Lincoln SmartIncome SM Inflation Annuity Facts At-A-Glance. Terminating your contract means you will no longer receive any benefits or income payments from the Lincoln SmartIncome SM Inflation Annuity. Protect your purchasing power with an income that lasts a lifetime. Speak with your agent or advisor to learn more about how Lincoln SmartIncome SM Inflation Annuity can help you face your future with confidence. *Not applicable in New York.
8 HELPING YOU FACE YOUR FUTURE WITH CONFIDENCE At Lincoln Financial Group, we ve spent more than 1 years living up to the character of our namesake: integrity, honesty, and the belief in a better tomorrow. We provide advice and solutions to help people save for tomorrow, secure and maximize their income, protect themselves and their loved ones, and prepare for the unexpected. INCOME LIFE RETIREMENT GROUP BENEFITS ADVICE Not a deposit Not FDIC-insured Not insured by any federal government agency Not guaranteed by any bank or savings association May go down in value 2010 Lincoln National Corporation 150 N. Radnor-Chester Road Radnor, PA Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Investment advisory services offered through other affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN RP 12/10 Z04 Order code: FA-SI-BRC398 Important disclosures. Please read. This material was prepared to support the promotion and marketing of an insurance product. Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein. The exact terms of the annuity are contained in the contracts and any attached riders, which will control the appropriate issuing company s contractual obligations. For more information about the annuity, please also read the Illustration, Disclosure, and Facts At-A-Glance, or contact your Lincoln representative. If purchased prior to age 59½, any unscheduled payments taken within the first five years, or before reaching age 59½, may subject current and prior taxable distributions to a 10% federal tax penalty. Unscheduled payments in excess of the annual free withdrawal amount may be subject to applicable unscheduled payment charges. Withdrawing any portion of the premium paid, unless received as part of the regularly scheduled payment, will significantly reduce subsequent scheduled payments. Lincoln SmartIncome SM Inflation Annuity single premium immediate annuity (contract form , or state variation) is issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker/dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company. Contracts sold in New York (contract form NY) are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker/dealer. Contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York. Contract may be referred to as certificate in certain states (certificate may not be available in all states). The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust. Purchase of the contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the plan. If you are purchasing the contract through a plan, you should consider purchasing it for its death benefit, annuity options, and other non-tax-related benefits. Product and features are subject to state availability. Limitations and exclusions may apply. Waiver of Unscheduled Charges for Nursing Home Confinement Rider and Waiver of Unscheduled Charges for Terminal Illness Rider (form AE-219 and form AE-218, respectively, or state variation) may not be available in all states. Nursing Home Rider not available for contracts issued in Massachusetts.
Design your own retirement Lincoln Deferred Income Solutions SM Annuity Products issued by: The Lincoln National Life Insurance Company Not a deposit Not FDIC-insured May go down in value Not insured by
Fixed Annuities Lincoln Insured Income Immediate Annuity single premium immediate annuity Income is just the beginning Payment options to fit your needs Guaranteed income No market risk Client Guide Lincoln
F LIFE Universal Life Insurance The Lincoln National Life Insurance Company Lincoln MoneyGuard Reserve Plus A smarter alternative to self-insuring SM Client Guide to paying for long-term care The purpose
Lincoln MoneyGuard Reserve Yours today for tomorrow Helps you pay for if you need it Provides an income tax-free death benefit if you don t Offered with a money back guarantee A way to help protect your
Universal Life Insurance Our perspective on universal life insurance Protect and maximize your legacy The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit
SM SecureFore 5 Fixed Annuity Annuities issued by Forethought Life Insurance Company Client Guide Not a bank deposit Not FDIC/NCUA insured Not insured by any federal government agency No bank guarantee
Income calculator i4life Advantage Lincoln variable annuities Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not guaranteed by any bank or savings association
FOR LIFE Universal and Term Life Insurance Lincoln universal and term life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New
FOR LIFE Nonqualified benefits questionnaire The Lincoln National Life Insurance Company, Fort Wayne, IN Lincoln Life & Annuity Company of New York, Syracuse, NY 2065722 For Prepared by Date This questionnaire
Wealth Protection Expertise SM Make your next move Put tax-advantaged protection and growth potential into your future plan LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured
Explorer A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Client Guide The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed to providing
FOR LIFE Lincoln life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit Not FDIC-insured May go down in value
MEMBERS Single Premium Immediate Annuity GUARANTEED retirement income Move confidently into the future 10000256 Rev 0413 A financial services company serving financial institutions and their clients worldwide.
MEMBERS Select Fixed Annuity II GUARANTEED, STEADY GROWTH Move confidently into the future 1385-P1809 REV 0112MHC A financial services company serving financial institutions and their clients worldwide.
Pacific Income Provider A Single-Premium, Immediate Fixed Annuity for a Confident Retirement 9/15 80002-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain
Fixed Annuity Suitability Agent Guide In keeping with Lincoln Financial Group s strong commitment to exemplary market conduct practices, we have developed suitability guidelines designed to identify and
FOR LIFE Universal Life Insurance Lincoln MoneyGuard Reserve Plus A smarter alternative to self-insuring Advisor Guide to paying for long-term care The Lincoln National Life Insurance Company Not a deposit
THE SECURITY BENEFIT FOUNDATIONS ANNUITY The Security Benefit Foundations Annuity Retirement. It s a big step and one you ve spent your whole career saving for and building on. As you enter retirement,
Preserving value for the next generation Lincoln LifeLINC Advisor Guide For agent or broker use only. Not for use with the public. Contents Wealth transfer planning 2 Connect your clients to the Lincoln
Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already
ANNUITIES FIXED Fixed Annuities MetLife fixed annuities are designed for individuals whose top priorities are safety and predictability. Safety No matter what happens in the financial markets, your principal
Consumer Guide This guide must be presented along with an index annuity consumer guide. AG Lifetime Income Builder SM optional living benefit rider Build a financially strong retirement with AG Lifetime
FOR LIFE Lincoln LifeElements Level Term The protection you need at a price that makes sense Client Overview Products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company
MetLife Income Annuity SM Providing income when you need it for as long as you need it A METLIFE INCOME ANNUITY 1 OFFERS THESE ADVANTAGES: Stable lifetime income that you can count on to help cover day-to-day
FOR LIFE Universal Life Insurance The Lincoln National Life Insurance Company Lincoln MoneyGuard Reserve Plus Paying for long-term care Client Product Guide The purpose of this communication is the solicitation
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
G U A R A N T E E D I N C O M E S O L U T I O N S NEW YORK LIFE LIFETIME INCOME ANNUITY NEW YORK LIFE: BUILT FOR TIMES LIKE THESE New York Life Insurance Company, the parent company of New York Life Insurance
LINCOLN FOR LIFE Client Overview Lincoln LifeElements Level Term Get the term coverage you need at a price that may surprise you The Lincoln National Life Insurance Company Lincoln Life & Annuity Company
For agent and broker use only. Not for use with the public. Help your clients find the right Lincoln universal life and term policy Lincoln Universal Life and Term Portfolio At-A-Glance Five reasons why
Secure Pacific Income SM A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain committed
Allianz Life Insurance Company of North America Understanding variable annuities Discover how you can insure a portion of your retirement assets. USA-1517 Page 1 of 20 Solutions for RETIREMENT REALITIES
Life insurance There s more to life Life insurance products and services Employer Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York GROUP BENEFITS LFE-BRER-BRC001
The underrated impact of taxes on retirement Research study Nearly one out of every three dollars spent by high-income retirees goes to taxes, according to a study by Lincoln Financial Group. Most future
North American Guarantee Choice SM Multi-Year Guarantee Annuity Consumer Brochure 1 19734Z-CT REV 8-15 19734Z-CT REV 8-15 North American Guarantee Choice SM Are you looking for ways to manage your future
ANNUITIES INCOME MetLife Guaranteed Income Builder SM INCOME for Life Living You THE STRENGTH OF METLIFE MetLife meets the challenges of today by drawing upon a long history of success. For over 140 years,
FOR INCOME Lincoln Lifetime Income SM Edge At-A-Glance Lincoln Lifetime Income SM Edge is subject to firm and state availability. Check your selling agreement or contact the Annuity Sales Desk for more
8 facts you should know about Lincoln MoneyGuard Reserve Contact your Lincoln representative today. When you compare long-term care solutions, consider these important facts about Lincoln MoneyGuard Reserve
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
MetLife Income Annuity SM Providing income when you need it for as long as you need it Single Premium Immediate Annuity is issued by MetLife Investors USA Insurance Company and in New York, only by First
Income to live your life Symetra Advantage Income Immediate Annuity Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA/NCUSIF insured Not guaranteed
Build your retirement plan to last a lifetime. Phoenix Personal Income Annuity A single-premium fixed indexed annuity with lifetime income options IRS Circular 230 Disclosure: Any information contained
Leverage your accounts receivable Client overview Unlock your accounts receivable These strategies funded by life insurance can help professionals like you: Accumulate life insurance cash values in a tax-advantaged
Protect Tomorrow. Embrace Today.TM Protective Fixed Annuities At a Glance PABD.4762 (06.12) The Strength of Our Promise For more than 100 years, our mission has remained boldly alive in our name. We are
Protect your financial future: Your income, your family, your lifestyle. PHOENIX PERSONAL PROTECTION CHOICE SM A single-premium fixed indexed annuity with flexibility to address multiple needs Investment
Understanding fixed 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 3/15 23264-15A Contents Get
Secure Income Annuity Base Product live CONFIDENTLY Welcome! Security Benefit Secure Income Annuity Most of us look forward to retirement. We want to know that when we retire, especially in the volatile
ANNUITIES, Plain & Simple This editorial will tell you why annuities are an important part of your plan for retirement. It will use simple language and terms, and go over practical reasons why annuities
INVESTMENT AND PLANNING SOLUTIONS Redefine your means in retirement Member FINRA/SIPC INVESTMENT AND PLANNING SOLUTIONS More guaranteed income to count on when you need it to count. It s taking that second
Immediate Annuity Fixed vs. Inflation-Protected A Cost Comparison Felix Schirripa, FSA www.elmannuity.com April 2009 2009 ELM Income Group, Inc. Executive Summary We find that an analysis of historical
Steadily growing, safe and secure. Financial values your future can count on. Retirement: built by you, grown by you 2 enjoyed by you. Let s not pretend that your retirement will be like anyone else s.
ANNUITIES VARIABLE you can take RMDs while growing and protecting your benefit MetLife s optional riders provide you with the RMD flexibility you need GMIB Plus and Enhanced Death Benefit What is a variable
Spend more time with the people who matter most and less time planning for retirement. Nationwide Quatro Select Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured
The Hartford Income Security SM A Fixed Deferred Payout Annuity Prepare To Live SM For Use In All States, Except Florida Start Building Your Future Income Today There s never been a better time to begin
An Insider s Guide to Annuities Whatever your picture of retirement, the best way to get there and enjoy it once you ve arrived is with a focused, thoughtful plan. Introduction 2 What is an Annuity?...
North American Pillar fixed index annuity 13930Z REV 08-12 North American Pillar Are you looking for ways to manage your future retirement income today so that you can enjoy financial freedom later? North
CONSUMer Guide AG Secure Lifetime GUL with Lifestyle Income Solution SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions Life insurance protection
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity ANNUITIES Your future. Made easier. Payouts. Protection. In today s financial world, some products provide payout options. Others
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity issued by ING USA Annuity and Life Insurance Company Your future. Made easier. Payouts. Protection. In today s financial world, some
advisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime Member FINRA/SIPC ADVISORY & Brokerage consulting SERVICES Three Things to Consider When Planning for Retirement Today,
BalancedAllocation LIFETIME INCOME RIDER THE INCOME RIDER AS UNIQUE AS YOU. Why stop when it comes to planning your retirement income? A retirement plan isn t just about that moment when you retire, but
Variable annuities A tax-advantaged way to save for retirement Common terms Annuitant The person (may be the same as the contract owner) whose life expectancy is used to calculate the income payment amount
U.S. INVESTMENT POLICY GUIDANCE REPORT Making Your Money Last Everyone has individual retirement goals, but we all have one in common: ensuring our money lasts throughout retirement. Even a well-designed
Choose a new path for your retirement future. Nationwide New Heights Fixed Indexed Annuity Guarantees and protections are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company.
The Guardian Insurance & Annuity Company, Inc. (GIAC) The Guardian Guaranteed Income Annuity II SM Designed to Help You Create a Lifetime Income Guarantee What Do You VALUE Most? Please take a moment to
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide
L1011215604[exp1012][All States][DC] How Much Do You Know About Retirement? How old is the oldest living person? 103 109 105 114 * Source: Guinness World Records 2009 How Much Do You Know About Retirement?
We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It
ATHENE GLWB Income Rider Guaranteed Income You Can Count On Annuities issued by Athene Annuity & Life Assurance Company S7434 (8-13) Purchase an annuity with a guaranteed lifetime withdrawal benefit and
Aviva MultiChoice FreedomPlus S 80650-S (Rev. 6/09) Saving for retirement just got easier. With all of the choices you have today, saving for retirement can seem complex, challenging, and confusing. At
for a secure Retirement Bonus Gold (INDEX-1-07)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard everyday
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide
Wealth Protection Expertise SM Help protect your wealth from unexpected healthcare costs White Paper Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not
Single Premium Immediate Annuity I SecureLiving Series SecureLiving Income Provider Do what you love. Issued by Genworth Life Insurance Company & Genworth Life and Annuity Insurance Company 130800 08/22/13
RiverSource SecureProvider Immediate annuity RiverSource Life Insurance Company RiverSource Life Insurance Co. of New York Guaranteed income for a more secure retirement 140502 G (1/16) Do you have the
Redefine your means in retirement. So you can do more of what matters. More guaranteed income to count on when you need it to count. It s taking that second vacation instead of giving it a second thought.
Power Select Plus Income Index Annuity A Powerful Combination for Retirement Principal Protection. Growth Potential. Lifetime Income. Plus, the Opportunity to Guarantee Rising Income for Up to 10 Contract
RETIREMENT INCOME CERTAINTY STARTS TODAY Prudential Immediate Income Annuity Annuities are issued by The Prudential Insurance Company of America, Newark, NJ. This material must be preceded or accompanied
Principal Income Protector SM Helping Maximize Income for Life W E U N D E R S T A N D W H A T Y O U R E W O R K I N G F O R. What does retirement mean to you? Retirement means something different to each
Make your money last through your retirement symetra advantage income immediate annuity Not a bank or credit union deposit or obligation Not FDIC or NCUA/NCUSIF insured Not insured by any federal government
Generate Future Retirement Income for Essential Living Expenses CASE STUDY Pacific Life s Fixed Indexed Annuities 10/15 90090-15A What Might You Face in Retirement? During your working years, you are likely