Fixed Indexed Annuity Overview

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Fixed Indexed Annuity Overview"

Transcription

1 Fixed Indexed Annuity Overview PAC.5097 (07.15)

2 This advertisement is for illustrative purposes and not intended to forecast, imply or guarantee the future performance of any investment and does not show the effect of taxes or any charges. Past performance is no guarantee of future results. The Protective Indexed Annuity II is not an investment in an index, is not a security or stock market investment, and does not participate in any stock or equity investments.

3 Grow Your Assets and Protect Them Low risk. Guaranteed growth. Lifetime income. These are just a few things people generally associate with fixed annuities. Precisely because fixed annuities provide a consistent rate of return, they may help mitigate the effects of inflation and are particularly well-suited for growing retirement savings. Fixed indexed annuities are a special type of fixed annuity offering market-linked growth with little to no downside risk. Such annuities generally feature a fixed rate of interest but also the potential for higher returns based on the performance of a specific market index. No matter how you intend to experience your retirement, you will essentially need to fund a comfortable lifestyle, grow your assets and protect your loved ones. You ll also need income for as long as you live. The information contained in this brochure, along with the guidance of your financial professional, can help you learn more about how a fixed indexed annuity may be used as part of a customized financial strategy to protect your financial goals for tomorrow so that you can embrace today. 1

4 Funding Your Retirement If you re like many, traditional sources of retirement income, such as employer sponsored pension plans and Social Security benefits, will only fund a portion of your retirement. In fact, over reliance on Social Security as part of your financial retirement plan could compromise achieving your retirement income needs. You will likely need to bridge this gap to live the comfortable retirement you desire. Precisely because you will be more dependent on your own money, discovering ways to grow your assets and protect them is paramount. TYPICAL SOURCES OF RETIREMENT INCOME 2.0% n Earned Income n Social Security n Pension 14.8% n Investment Income n Other 17.4% 49.9% 15.9% Source: Income of the Population 55 or Older, 2012, Social Security Administration, Office of Research, Evaluation, and Statistics (April 2014) 2015 Morningstar. All rights reserved. 2

5 Fixed Indexed Annuity Benefits Whether you are retired now, retiring soon or retiring years from now, there s likely a fixed indexed annuity that can help secure your personal financial future. In simple terms, a fixed indexed annuity is a contract between you and a life insurance company, and it is one of the few investments that can provide a stream of payments for life with little to no market risk. Fixed indexed annuities allow you to invest a certain amount of money now with the agreement you will receive later all of your purchase payments plus interest at a fixed rate, a market-linked rate or a combination of the two. Fixed indexed annuities offer a combination of investment and insurance benefits, such as: Fixed and market-linked growth Tax deferral Access to your money (withdrawal charges may apply) Choice of annuity income payment options, including income for life Optional protected lifetime income benefits Estate planning benefits Some also offer enhancements, such as return purchase payments and terminal illness, nursing home and unemployment withdrawal charge waivers. Deferred fixed indexed annuities can generally be described as providing benefits for two phases of retirement planning: Accumulation the time period in which you are investing and growing your retirement savings Distribution the time period in which you are utilizing the annuity value to provide for retirement income needs 3

6 ACCUMULATION Fixed and Market-Linked Growth of the Contract Value You purchase a fixed indexed annuity contract by making either a single purchase payment or a series of purchase payments with the insurance company. The insurance company then allows you to allocate your contract value to a variety of interest crediting strategies. These may be fixed, which means you earn a guaranteed rate of interest, or indexed, which means any interest earned is dependent on some measure of market performance. You bear little market risks, since your principal is protected from market downturns. In exchange for this protection, the growth of your contract value will not necessarily reflect the return of the market index used for the selected interest crediting strategies, as it will be capped at rates specified in your contract. INTEREST CREDITING STRATEGIES Deposit with insurance company Fixed indexed annuity contract Acts as a single platform offering access to a variety of interest crediting strategies. Fixed interest crediting strategy (guaranteed interest) Indexed interest crediting strategy #1 (market-linked interest) Indexed interest crediting strategy #2 (market-linked interest) Contract value growth Each interest crediting strategy is unique with a varying level of possible return, allowing you the opportunity to allocate your contract value in a manner best suiting your personal objectives. The growth of your fixed indexed annuity contract value is then dependent upon the individual performance of each interest crediting strategy selected, which can be positive or flat but never negative. You may reallocate your contract value among the various interest crediting strategies at specific times designated by the issuing life insurance company. This offers you the flexibility to shape the growth over the life of the contract. 4

7 5

8 ACCUMULATION The Power of Tax-Deferred Investing Tax deferral is the process of delaying taxes on your accumulated earnings until they are withdrawn. Since the gain in a fixed indexed annuity isn t taxed until it s withdrawn, it accumulates at a faster rate or compounds. Compounding means your earnings become part of your contract value, and they, in return, contribute to future gains. In the early years of accumulation, the benefits of compounding may not be that significant, but as the years go by, the long-term boost to your total return can be substantial. Additionally, fixed indexed annuities can help you control when you ll pay taxes on the gain in your contract. You have the ability to choose when you ll withdraw money from the contract, so you may be able to determine when the taxation of your gain occurs. Since deferred fixed indexed annuities work best for long-term planning, it is likely that interest withdrawals from the contract will not be made until future years, when you may be in a lower tax bracket, such as during retirement. BENEFITS OF DEFERRING TAXES 140,000 Value of Taxable Account Value of Tax-Deferred Account 120, ,000 This hypothetical illustration shows $25,000 invested in both a taxable and tax-deferred account. The difference in value is not that significant during the first 10 years; however, the tax-deferred account value grows substantially more than the taxable account during subsequent years. END VALUE AFTER TAXES 80,000 60,000 40,000 20, YEARS TO RETIREMENT Each account assumes a 4% annual rate of return and no withdrawals. Taxable account assumes a federal income tax rate of 28% and a capital gains tax rate of 15%. Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult their attorney or tax advisor regarding their individual situation. 6

9 ACCUMULATION Fixed Indexed Annuities in Tax-Qualified Plans Because an IRA or workplace savings plan already provides tax-deferred growth of earnings, using a tax-deferred fixed indexed annuity within those accounts does not offer any additional tax deferral; however, there are other features and benefits a fixed indexed annuity can provide in this type of arrangement, such as payments for life and a death benefit. There may be costs associated, so you need to determine if the benefits of owning a fixed indexed annuity within a tax-advantaged plan are worthwhile. Please consult a qualified tax and/ or financial advisor regarding the use of a fixed indexed annuity contract within a qualified plan or in connection with other employee benefit plans or arrangements. Access to Your Money Fixed indexed annuities offer varying degrees of liquidity during the accumulation phase, generally governed by a withdrawal charge. A withdrawal charge is a fee you pay to the insurance company if you withdraw money from or cancel your contract within a specified number of years. Withdrawal charges are generally applied for the first few years of a fixed indexed annuity contract. The length of time depends on the type of contract you purchase. The withdrawal charge is usually a descending fee that reduces over the specified withdrawal charge period. Contracts with shorter withdrawal charge periods will generally have higher withdrawal charges than those with longer periods. Interest rates may also be higher with longer withdrawal charge schedules. When you withdraw money from or cancel your contract during the withdrawal charge period, the insurance company will keep a certain percentage of your withdrawal as a fee. Once the withdrawal charge period has ended, you may withdraw money from your contract at any time without a fee. Some fixed indexed annuities also offer free withdrawal options that allow you to withdraw a certain percentage of your contract value or initial purchase payment without incurring a withdrawal charge, even during the withdrawal charge period. Withdrawals reduce the annuity s remaining death benefit, contract value, cash surrender value and future earnings. Withdrawals may be subject to income tax and, if taken prior to age 59½, an additional 10% IRS tax penalty may apply. More frequent withdrawals may reduce earnings more than annual withdrawals. 7

10 DISTRIBUTION Designing Your Retirement Income One of the primary benefits of using a fixed indexed annuity as part of your retirement strategy is creating a stream of payments. Protective Life fixed indexed annuities offer the flexibility to create the retirement income you need. Annuity Income Payments The first option for creating a stream of payments from your fixed indexed annuity is to annuitize your contract. When you annuitize, your contract value is exchanged for a stream of guaranteed income payments. There is no fee for annuitizing your contract. You choose when to annuitize, or begin your annuity income payments, and for how long. This may be over your lifetime or over the joint lifetime of you and your spouse. Annuity income payment options are available for single or joint life: Lifetime income Specific term (certain period) Lifetime income with a specific term (certain period) Lifetime income with a cash refund Lifetime income with an installment refund (principal refund) There are certain requirements for when annuity income payments can and should begin without penalty. Please see the Protective Indexed Annuity II Profile and contract for more information. For non-qualified annuities, a portion of each annuity payment generally is considered to be a return of your investment, which is not taxed. The remaining portion of the payment consists of earnings and is taxable as ordinary income. After you have recovered your investment, all of your annuity payments will be taxable. Optional Protected Lifetime Income Benefits A second option for creating a retirement income stream from your fixed indexed annuity is the use of an optional protected lifetime income benefit, if available. There are different types of these benefits, and the features offered vary from company to company. In general, these optional protected lifetime income benefits are available to be added to your fixed indexed annuity for an extra cost and may change some of the features of the underlying contract. When purchased, they can provide additional features such as: Guaranteed growth Guaranteed retirement income Because of the breadth of options available, you should work closely with your financial professional to find those that best meet your individual needs. Please see the SecurePay SE brochure and product contract for more information. 8

11 DISTRIBUTION Contract Value Withdrawals You may also choose to simply withdraw your contract value to meet your retirement income needs. Withdrawals can generally be taken in a lump sum, systematically on a predetermined schedule or as needed. This option can offer the greatest flexibility but should be managed carefully. It does not offer any guarantees and can result in greater tax liability when values are withdrawn in a lump sum rather than systematically over time, since the full gain will be taxed all at once rather than allowing a portion of the value to continue growing tax-deferred. Protection for Loved Ones Providing a legacy to your beneficiaries is likely an important part of your financial strategy for retirement. You need to know they will be provided for should something happen to you. A fixed indexed annuity offers you estate planning benefits that can help you more efficiently transfer your assets to your beneficiaries by avoiding the delay, cost and publicity of probate. These benefits can help you protect a lasting legacy for your loved ones. For more complete information, please see the Protective Indexed Annuity II Profile and contract. 9

12 We are Protective Life When you purchase a fixed indexed annuity for retirement, you begin a long-standing relationship with the issuing life insurance company. For more than 100 years, our mission has remained boldly alive in our name. We are Protective Life. Our mission is to help customers find the financial security they so desperately need, enabling them to protect tomorrow and embrace today. It s a liberating feeling one experienced when focus is allowed to return to those things that enrich our lives the most. At the heart of our Company s business philosophy are four adopted values. Each equally shapes our identity and guides us in all that we do. Do the Right Thing: Character is doing the right thing, even when no one is looking. We have a collective responsibility to do what s right by our customers to ensure their financial needs are met today and tomorrow. Serve People: To help our customers protect tomorrow and embrace today, we must put their financial needs first and take the time to truly understand the challenges they face in life. Build Trust: Hard won but easily lost, earning the trust of our customers is just as imperative as keeping it for a lifetime. Do the right thing and serve people, and do it with sincerity and transparency. Simplify Everything: From product design to choice and delivery to service support, our goal is to make doing business easier by making it as simple as possible. We educate customers using relatable concepts and terms to address their specific financial needs. It s our belief that an informed customer is an empowered one Governor William Dorsey Jelks founds Protective Life Insurance Company, as Theodore Roosevelt begins his seventh year as U.S. President Protective Life pays its first death claim Protective Life celebrates its Silver Anniversary, with over $65 million of insurance in force Protective Life celebrates 50 years, with insurance in force approaching $1 billion Acquires Protective Life and Annuity Insurance Company West Coast Life is acquired, solidifying Protective s national presence John D. Johns becomes CEO of Protective Life Chase Insurance Group is acquired, representing Protective s largest acquisition to date Protective Life celebrates its 100 th Anniversary. Insurance in force surpasses $252 billion Protective achieves record consolidated statutory capital level in a historically challenging financial environment The combined United Investors Life and Liberty Life acquisitions increase policies in force by 50% Protective Life completes the acquisition of MONY Life Insurance Company Protective Life is acquired by The Dai-ichi Life Insurance Company, Limited, becoming part of the 13th largest global life insurer in terms of total assets.* *based on financials as of 12/31/13. 10

13 The Strength of Our Promise We take comfort in our strengths. We rely on more than a century s worth of experience to fulfill the obligations and uphold the promises made to our customers. The strength of our promise is backed by the financial stability and long-term performance of our Company. Protective Life carries high ratings from independent rating organizations who assign ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. Protective Life has Insurer Financial Strength Ratings A+ (Superior, 2nd highest of 15 ratings) from A.M. Best AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor s A (Strong, 6th highest of 22 ratings) from Fitch Ratings do not reflect the investment experience or financial strength of any sub account. These ratings are current as of July 21, 2015, are subject to change and do not apply to products or their performance. Please visit for more current information. Our tradition of financial strength and strong growth has allowed us to touch so many lives and help protect tomorrow. We continually strive to provide innovative, valuable, affordable products that are simple to understand and easy to acquire. We serve with integrity and honesty, treating each of our customers the way we would like to be treated. We offer more than just products. We offer solutions solutions to help meet the many financial challenges we all face in life. Simplified products, valuable educational resources and over 100 years of service experience together empower our customers to take charge of their lives and embrace all that the day has to offer. 11

14 Grow Your Assets and Protect Them As you prepare for retirement, it s important that you have the options needed to customize a personal financial plan to meet your individual needs along with assurance that the companies you work with will be there to see you through your entire retirement. Talk to your financial professional today to learn more about how you can utilize a Protective Life fixed indexed annuity to grow your assets and protect them. Protect Tomorrow. Embrace Today.TM 12

15

16 All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company. Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult with their legal or tax advisor regarding their individual situations before making any tax-related decisions. Annuities are long-term insurance contracts intended for retirement planning. Protective Indexed Annuity II is a limited flexible premium deferred indexed annuity contract issued under policy form series FIA-P-2008 and FIA-P-2010 (with a limited market value adjustment). SecurePay SE is provided under form series FIA-P Protective Indexed Annuity II is issued by Protective Life Insurance Company located in Birmingham, AL. Policy form numbers, product availability and features may vary by state. The Protective Indexed Annuity II is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends. PAC.5097 (07.15)

Protective ProPayer Income Annuity

Protective ProPayer Income Annuity Protective ProPayer Income Annuity Single Premium Immediate Annuity Overview CAC.5050 (05.14) Protect Tomorrow. Embrace Today. TM No matter how you intend to experience your retirement, you will essentially

More information

Variable Annuity Overview

Variable Annuity Overview Variable Annuity Overview CAC.1162 (04.12) Protect Tomorrow. Embrace Today.TM When planning for your retirement, you ll find there are a variety of products, investments and strategies that can be utilized

More information

Protective ProSaver Secure II

Protective ProSaver Secure II fixed annuity profile Protective ProSaver Secure II Retire on your terms. CAC.1065 (09.10) Retire on your terms. low risk Low risk. Guaranteed growth. Lifetime guaranteed income. These are growth just

More information

ProSaver Index Series Annuity Tax-Deferred Indexed Annuity

ProSaver Index Series Annuity Tax-Deferred Indexed Annuity ProSaver Index Series Annuity Tax-Deferred Indexed Annuity Client Brochure PAC.2044.06.07 08/07 C e l e b r a t i n g Protective Life Doing the right thing is smart business. Celebrating its 100th year

More information

MEMBERS Index Annuity

MEMBERS Index Annuity MEMBERS Index Annuity GUARANTEES, WITH FLEXIBILITY AND UPSIDE POTENTIAL Move confidently into the future 07-0002 REV 09MHC A financial services company serving financial institutions and their clients

More information

Room to grow for your retirement. Lincoln New Directions fixed indexed annuity. Client Guide

Room to grow for your retirement. Lincoln New Directions fixed indexed annuity. Client Guide Room to grow for your retirement Lincoln New Directions fixed indexed annuity Insurance products issued by: The Lincoln National Life Insurance Company Not a deposit Not FDIC-insured May go down in value

More information

Protective Indexed Annuity. Fixed Indexed Annuity Profile

Protective Indexed Annuity. Fixed Indexed Annuity Profile Protective Indexed Annuity Fixed Indexed Annuity Profile PAC.4939 PAC.xxxx (12.12) (04.13) Protective Life annuities are designed specifically to help you more effectively prepare for and experience retirement.

More information

Rising Income Benefit

Rising Income Benefit Rising Income Benefit Protected Lifetime Income Benefit PAC.5322 (07.15) Retirement income planning is an evolving process. Consider the years leading up to retirement. Initially, concerns often include

More information

North American Pillar 13930Z REV 08-12

North American Pillar 13930Z REV 08-12 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

More information

Protect Tomorrow. Embrace Today.TM

Protect Tomorrow. Embrace Today.TM 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

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

North American Guarantee Choice SM

North American Guarantee Choice SM 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

More information

NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10

NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10 NORTH AMERICAN FORMULA CHOICE FIXED INDEX ANNUITY 11079Z-06 REV 08-10 NORTH AMERICAN FORMULA CHOICE The Formula Choice is a flexible premium, fixed index annuity that offers you the ability to apply all

More information

What is an annuity? The basics Part 1 of 8

What is an annuity? The basics Part 1 of 8 What is an annuity? The basics Part 1 of 8 You may be considering an annuity, and, if that s the case, it is important that know what an annuity is and isn t. Basically, an annuity is a contract with an

More information

North American Guarantee Choice SM

North American Guarantee Choice SM North American Guarantee Choice SM Multi-Year Guarantee Annuity Consumer Brochure 1 19734Z PRT 12-14 19734Z PRT 12-14 North American Guarantee Choice Are you looking for ways to manage your future retirement

More information

The Boomer Annuity 11018Z REV 09-12

The Boomer Annuity 11018Z REV 09-12 The Boomer Annuity 11018Z REV 09-12 The Boomer Annuity Being part of one of the most influential groups in America, your desire to maintain your independence and freedom into the next phase of your life

More information

Annuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities...

Annuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities... 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?...

More information

Choice 6. American Equity. Simple Choices for a Secure Retirement. The one who works for you!

Choice 6. 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 information

Income Preferred Bonus Fixed Indexed Annuity

Income 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 information

Lincoln New Directions fixed indexed annuity. Protection is a part of its nature. Client Guide

Lincoln New Directions fixed indexed annuity. Protection is a part of its nature. Client Guide Lincoln New Directions fixed indexed annuity Protection is a part of its nature Client Guide Protection is a part of its nature We all want to protect what is important to us that need to protect is a

More information

Dependable asset growth on your terms with ATHENE MaxRate Multi-Year Guarantee Annuity

Dependable asset growth on your terms with ATHENE MaxRate Multi-Year Guarantee Annuity Dependable asset growth on your terms with ATHENE MaxRate Multi-Year Guarantee Annuity Athene Annuity & Life Assurance Company of New York AN1008-NY (06/16) You ve worked hard to make money and you ve

More information

Understanding Annuities: The Basics

Understanding Annuities: The Basics Private Wealth Management Products & Services Understanding Annuities: The Basics Will your savings last a lifetime? Many preretirees and retirees are uncertain whether the nest egg they have built will

More information

Great American Life. American Valor II. Platinum Series Flexible Fixed-Indexed Annuity B1067408NW

Great American Life. American Valor II. Platinum Series Flexible Fixed-Indexed Annuity B1067408NW Great American Life American Valor II Platinum Series Flexible Fixed- Annuity B1067408NW Building Lifestyle Security You ve worked hard for what you have. Wouldn t you like the freedom to enjoy your retirement

More information

14-YEAR SURRENDER PERIOD Issue Ages 0-65 1

14-YEAR SURRENDER PERIOD Issue Ages 0-65 1 NORTH AMERICAN Charter SM 14 Fixed INDEX ANNUITY 16761Z-04 PRT 08-12 [Any annotations are personal comments for research, informational and education purposes ONLY. Sales Proposals ONLY allow the addition

More information

Choice 10. American Equity. Simple Choices for a Secure Retirement. The one who works for you!

Choice 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 information

Understanding fixed index universal life insurance

Understanding fixed index universal life insurance Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Page of 8 Understanding

More information

Annuities a source of guaranteed income, for life.

Annuities a source of guaranteed income, for life. Annuities a source of guaranteed income, for life. Experience the security and stability an annuity can provide for your long-term income needs, plus discover benefits that can help you pursue your financial

More information

Royal Select PRODUCT GUIDE. fixed indexed annuity. The SOLUTION Before life presents the problem. RS383C

Royal Select PRODUCT GUIDE. fixed indexed annuity. The SOLUTION Before life presents the problem. RS383C PRODUCT GUIDE Royal Select fixed indexed annuity The SOLUTION Before life presents the problem. Financial Strength Rating A M BEST A- Excellent RS383C1 69462058 *Effective as of 5-7-2014. For the latest

More information

Understanding fixed index annuities

Understanding 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 information

Protective Indexed Annuity II

Protective Indexed Annuity II Protective Indexed Annuity II Fixed Indexed Annuity Profile PAC.5093 (02.14) Protective Life annuities are designed specifically to help you more effectively prepare for and experience retirement. The

More information

Understanding fixed annuities

Understanding 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 information

BalancedAllocation Annuity

BalancedAllocation Annuity BalancedAllocation Annuity Aviva Life and Annuity Company 7700 Mills Civic Parkway West Des Moines, Iowa 50266-3862 57564 BAA (09/11) + Guarantees Growth Flexibility Wealth Transfer Income Finding a Balance

More information

Payouts. Protection. In One Place.

Payouts. Protection. In One Place. 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

More information

Aviva MultiChoice SM Xtra S

Aviva MultiChoice SM Xtra S We are building insurance around you. Aviva MultiChoice SM Xtra S Fixed Indexed Annuity 81143 (Rev. 12/12) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return

More information

ATHENE Enhanced Choice 8 Fixed Index Annuity. Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7215 (R5-15) IL-LA

ATHENE Enhanced Choice 8 Fixed Index Annuity. Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7215 (R5-15) IL-LA ATHENE Enhanced Choice 8 Fixed Index Annuity Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7215 (R5-15) IL-LA An annuity with built-in flexibility for your changing needs

More information

Bonus Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!

Bonus 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 information

Pacific. rontiers II. A Single-Premium, Deferred Fixed Annuity for an Active Retirement. Client Guide 9/ A

Pacific. rontiers II. A Single-Premium, Deferred Fixed Annuity for an Active Retirement. Client Guide 9/ A Pacific rontiers II A Single-Premium, Deferred Fixed Annuity for an Active Retirement 9/13 Client Guide 71003-13A The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we

More information

The Basics of Annuities: Planning for Income Needs

The Basics of Annuities: Planning for Income Needs March 2013 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 information

Income when it counts.

Income when it counts. ING Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by ING USA Annuity and Life Insurance Company. Your future. Made easier. Paycheck, salary, livelihood

More information

Thanks for being here. We want to give you some things to consider while you re saving for retirement and a brief overview of the different types of

Thanks for being here. We want to give you some things to consider while you re saving for retirement and a brief overview of the different types of 1 Thanks for being here. We want to give you some things to consider while you re saving for retirement and a brief overview of the different types of annuities available and their features that may benefit

More information

The Basics of Annuities: Income Beyond the Paycheck

The Basics of Annuities: Income Beyond the Paycheck The Basics of Annuities: PLANNING FOR INCOME NEEDS TABLE OF CONTENTS Income Beyond the Paycheck...1 The Facts of Retirement...2 What Is an Annuity?...2 What Type of Annuity Is Right for Me?...2 Payment

More information

Protective ProSaver Secure II

Protective ProSaver Secure II Protective ProSaver Secure II Fixed Annuity Profile CAC.3244 (05.12) Protective Life fixed annuities have been designed specifically to help you more effectively prepare for and experience retirement.

More information

ProOption Multi-Year Guaranteed Annuity Product with Return of Premium

ProOption Multi-Year Guaranteed Annuity Product with Return of Premium ProOption Multi-Year Guaranteed Annuity Product with Return of Premium guggenheim life and annuity ProOption Multi-Year Guaranteed Annuity Product with a Return of Premium Guarantee ProOption Multi-Year

More information

Allianz MasterDex 10 Plus Annuity

Allianz MasterDex 10 Plus Annuity Allianz Life Insurance Company of North America Allianz MasterDex 10 SM Plus Annuity Start building today the life you want tomorrow CB51288-03 Page 1 of 16 Discover the MasterDex 10 Plus SM Annuity from

More information

Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company.

Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company. Voya Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by Voya Insurance and Annuity Company. Paycheck, salary, livelihood No matter what you call it,

More information

The Boomer Annuity. Traditional Fixed Annuity. Consumer Brochure 1 19730Z PRT 12-14

The Boomer Annuity. Traditional Fixed Annuity. Consumer Brochure 1 19730Z PRT 12-14 The Boomer Annuity Traditional Fixed Annuity Consumer Brochure 1 19730Z PRT 12-14 19730Z PRT 12-14 The Boomer Annuity Being part of one of the most influential groups in America, your desire to maintain

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

More information

Voya Single Premium Immediate Annuity

Voya Single Premium Immediate Annuity 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

More information

CHOICE Variable Annuity Fact Sheet

CHOICE 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 information

ProOption Multi-Year Guaranteed Annuity Product with Return of Premium

ProOption Multi-Year Guaranteed Annuity Product with Return of Premium Guggenheim Life and Annuity Company At Guggenheim Life and Annuity Company, we are 0 Pennsylvania Parkway, Suite 00 dedicated to serving the needs and financial goals Indianapolis, IN 80 of our customers.

More information

ATHENE Enhanced Choice 12 Fixed Index Annuity. Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7217 (R5-15) IL-LA

ATHENE Enhanced Choice 12 Fixed Index Annuity. Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7217 (R5-15) IL-LA ATHENE Enhanced Choice 12 Fixed Index Annuity Annuities issued by Athene Annuity & Life Assurance Company, Wilmington, DE S7217 (R5-15) IL-LA An annuity with built-in flexibility for your changing needs

More information

Asset growth you can depend on Issued by Athene Annuity and Life Company, West Des Moines, Iowa (04/16)

Asset growth you can depend on Issued by Athene Annuity and Life Company, West Des Moines, Iowa (04/16) Asset growth you can depend on. 76000 Issued by Athene Annuity and Life Company, West Des Moines, Iowa (04/16) Choose a fixed annuity from Athene Annuity and Life Company and you can expect: Why choose

More information

UNDERSTANDING FIXED INDEXED ANNUITIES

UNDERSTANDING FIXED INDEXED ANNUITIES UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed

More information

Payouts. Protection. In One Place.

Payouts. Protection. In One Place. 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

More information

Forethought Life Insurance Company Income125+ Fixed Index Annuity

Forethought Life Insurance Company Income125+ Fixed Index Annuity Forethought Life Insurance Company Income125+ SM Fixed Index Annuity Life is full of colorful and exciting attractions. Retirement gives you the freedom to enjoy them. Don t miss an adventure because you

More information

Voya Single Premium Immediate Annuity

Voya Single Premium Immediate Annuity 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

More information

Understanding Annuities

Understanding Annuities Retirement Planning Understanding Annuities Learn how these versatile investments can be part of your strategy for retirement savings and income. understanding annuities Annuities can help provide the

More information

Heritage Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you!

Heritage Gold. American Equity. Gold Standard for a Secure Retirement. The one who works for you! Heritage Gold American Equity Gold Standard for a Secure Retirement The one who works for you! Heritage Gold A Good Plan is Always Better Than a Good Guess The security of your future begins today with

More information

Innovative, flexible, low-cost retirement solution

Innovative, flexible, low-cost retirement solution TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll

More information

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information

More information

Secure Income Annuity. Base Product. live CONFIDENTLY

Secure Income Annuity. Base Product. live CONFIDENTLY 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

More information

Mapping Your Retirement Destination. ING Secure Index Seven Annuity. Flexible Premium Deferred Fixed Index Annuity. Your future. Made easier.

Mapping Your Retirement Destination. ING Secure Index Seven Annuity. Flexible Premium Deferred Fixed Index Annuity. Your future. Made easier. Mapping Your Retirement Destination ING Secure Index Seven Annuity Flexible Premium Deferred Fixed Index Annuity Your future. Made easier. Where will retirement take you? Before and during your retirement,

More information

Allianz Endurance Plus Annuity

Allianz Endurance Plus Annuity Allianz Life Insurance Company of North America Allianz Endurance Plus Annuity A versatile and flexible retirement solution CB59951-03 Page 1 of 16 Discover the Allianz Endurance Plus Annuity. A solid

More information

Income Plus Variable Annuity

Income Plus Variable Annuity Just the facts about New York Life... Income Plus Variable Annuity What is the New York Life Income Plus Variable Annuity? 1 Why should I consider Income Plus with the Guaranteed Future Income Benefit

More information

Understanding Annuities: A Lesson in Indexed Annuities

Understanding Annuities: A Lesson in Indexed Annuities Understanding Annuities: A Lesson in Indexed 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 that

More information

MEMBERS Select Fixed Annuity II

MEMBERS Select Fixed Annuity II 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.

More information

GuGGenHeiM LiFe And AnnuitY COMPAnY. Preserve Multi-Year Guaranteed Annuity Product

GuGGenHeiM LiFe And AnnuitY COMPAnY. Preserve Multi-Year Guaranteed Annuity Product GuGGenHeiM LiFe And AnnuitY COMPAnY Preserve Multi-Year Guaranteed Annuity Product guggenheim life AnD Annuity COmPAny Preserve Multi-Year Guaranteed Annuity Product It s never too early to start planning

More information

Fixed Annuity Products

Fixed Annuity Products Training Module Fixed Annuity Products Issuer: Western-Southern Life Assurance Company Featuring: Acclaim FI-09-0002 Horizon FI-08-004 MultiRate FI-03-014 Annuity Guide Prepared by the National Association

More information

NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12

NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12 NAC RetireChoice SM 10 FIXED INDEX ANNUITY 16107Z REV 07-12 FLEXIBLE CHOICES THAT FIT Most people dream about having a secure and comfortable retirement. And now because we re living longer, healthier

More information

Your Guide to Fixed Annuities

Your Guide to Fixed Annuities Your Guide to Fixed Annuities A Smart Choice for Safety Conscious Individuals Seeking Financial Security Protect Your Future Whether you re preparing for retirement or already enjoying retirement, a fixed

More information

A GUIDE TO INVESTING IN ANNUITIES

A GUIDE TO INVESTING IN ANNUITIES A GUIDE TO INVESTING IN ANNUITIES What Benefits Do Annuities Offer in Planning for Retirement? Oppenheimer Life Agency, Ltd. Oppenheimer Life Agency, Ltd., a wholly owned subsidiary of Oppenheimer & Co.

More information

Understanding Annuities

Understanding Annuities Understanding Annuities Annuities ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE ARE NOT A DEPOSIT OF OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE IFS-A092313 Ed. 01/2005 Letter

More information

Important Information about your Annuity

Important Information about your Annuity Robert W. Baird & Co. Incorporated Important Information about your Annuity Annuities are long-term investments that may help you meet or supplement your retirement and other long-term goals. Annuities

More information

Understanding Annuities

Understanding Annuities Understanding Annuities Annuities issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey) and The Prudential Insurance Company of America. 0160994-00006-00

More information

Protecting Retirement Income and Assets

Protecting Retirement Income and Assets ONcore Variable Annuities Protecting Retirement Income and Assets Protect Guarantee retirement income without sacrificing your Plan Accumulate legacy to heirs. Access NOT A DEPOSIT NOT FDIC INSURED NOT

More information

ATHENE Choice 10 Fixed Index Annuity. S7216 (R12-14) Issued by Athene Annuity & Life Assurance Company (5-15)

ATHENE Choice 10 Fixed Index Annuity. S7216 (R12-14) Issued by Athene Annuity & Life Assurance Company (5-15) ATHENE Choice 10 Fixed Index Annuity S7216 (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 choose

More information

Allianz MasterDex X Annuity

Allianz MasterDex X Annuity Allianz Life Insurance Company of North America Allianz MasterDex X Annuity Focus on the X factor CB52575-NFA-3 1 of 20 Discover the MasterDex X Annuity A fixed index annuity from Allianz Life Insurance

More information

I AM STABILITY. You Can Create Income That Never Runs Out. By Adding Annuities to Your Retirement Strategy

I AM STABILITY. You Can Create Income That Never Runs Out. By Adding Annuities to Your Retirement Strategy You Can Create Income That Never Runs Out By Adding Annuities to Your Retirement Strategy I AM STABILITY A Case Study Using Fixed Annuities and Mutual Funds 9/15 23239-15B Products that Create Cash Flow

More information

Learning about fixed annuities

Learning about fixed annuities Learning about fixed annuities Make financial choices based on knowledge Annuities issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New

More information

Understanding Annuities: A Lesson in Variable Annuities

Understanding 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 information

LiveWell Fixed Index Annuity

LiveWell Fixed Index Annuity LiveWell Fixed Index Annuity Issued by Midland National Life Insurance Company Administered by 19231I PRT 03-14 1 May Provide Guaranteed Income for Life. Retain Control of Your Money. Potential for Stock

More information

How can an annuity help with retirement PLANNING?

How can an annuity help with retirement PLANNING? SUN LIFE FINANCIAL S GUIDE TO UNDERSTANDING ANNUITIES How can an annuity help with retirement PLANNING? You ve done a good job planning for retirement and have taken advantage of a 401(k) or IRA. You know

More information

Be prepared for whatever comes your way.

Be prepared for whatever comes your way. Fixed Annuities Your 5-minute Guide Be prepared for whatever comes your way. Prepare for the unexpected When it comes to the retirement you ve worked so hard for, you might not be willing to accept the

More information

4- & 5-Year GROs Currently Unavailable in New York

4- & 5-Year GROs Currently Unavailable in New York Momentum Advantage Single Premium Deferred Annuity RISK MANAGEMENT FINANCIAL SOLUTIONS 4- & 5-Year GROs Currently Unavailable in New York CF-07-80001-NY-1008 CF-07-30000-1007 Dream of a relaxing retirement.

More information

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important

More information

Allianz Dominator Plus Annuity

Allianz Dominator Plus Annuity Allianz Life Insurance Company of North America Allianz Dominator Plus Annuity Assured interest with a locked-in interest rate. CB52121 Page 1 of 11 Allianz Dominator Plus Annuity from Allianz Life Insurance

More information

Putting Your IRA to Work

Putting Your IRA to Work Putting Your IRA to Work Multi-Generational IRA Planning You ve worked hard for years to accumulate a significant amount of money in your individual retirement account (IRA) or rollover IRA. Now you can

More information

A Powerful Combination for Retirement

A Powerful Combination for Retirement 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

More information

Design your own retirement Lincoln Deferred Income Solutions SM Annuity

Design your own retirement Lincoln Deferred Income Solutions SM Annuity Wealth Protection Expertise SM Design your own retirement Lincoln Deferred Income Solutions SM Annuity Design your own retirement Lincoln Deferred Income Solutions SM Annuity INCOME SOLUTIONS Not a deposit

More information

Chapter 14. Agenda. Individual Annuities. Annuities and Individual Retirement Accounts

Chapter 14. Agenda. Individual Annuities. Annuities and Individual Retirement Accounts Chapter 14 Annuities and Individual Retirement Accounts Agenda 2 Individual Annuities Types of Annuities Taxation of Individual Annuities Individual Retirement Accounts Individual Annuities 3 An annuity

More information

Understanding Annuities: A Lesson in Annuities

Understanding Annuities: A Lesson in Annuities Understanding Annuities: A Lesson in 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 that you

More information

Allianz MasterDex X Annuity. Allianz Life Insurance Company of North America CB52575-NFA-CA-2. Page 1 of 16

Allianz MasterDex X Annuity. Allianz Life Insurance Company of North America CB52575-NFA-CA-2. Page 1 of 16 Allianz Life Insurance Company of North America CB52575-NFA-CA-2 Page 1 of 16 Discover the MasterDex X Annuity from Allianz. A fixed index annuity from Allianz can be a valuable asset. A prudent plan shouldn

More information

Understanding Annuities: A Lesson in Fixed Interest and Indexed Annuities Prepared for: Your Clients

Understanding Annuities: A Lesson in Fixed Interest and Indexed Annuities Prepared for: Your Clients Understanding Annuities: A Lesson in Fixed Interest and Indexed Annuities Prepared for: Your Clients Presented by: Arvin D. Pfefer Arvin D. Pfefer & Associates 7301 Mission Road, Suite 241 Prairie Village,

More information

Equity indexed annuities usually offer minimum interest rate guarantee

Equity indexed annuities usually offer minimum interest rate guarantee Equity Indexed Annuity What is an equity indexed annuity? When should you buy an equity indexed annuity? What are the strengths of equity indexed annuities? What are the tradeoffs to equity indexed annuities?

More information

Nationwide New Heights Fixed Indexed Annuity

Nationwide New Heights Fixed Indexed Annuity Fixed Indexed Annuity Fixed Indexed Annuity Hypothetical Illustration Report Prepared for: Prepared on: Valued Client 6/24/2015 Prepared by: Sample NC The purpose of this hypothetical illustration is to

More information

Daily Opportunities To Capture Greater Lifetime Income...

Daily Opportunities To Capture Greater Lifetime Income... Daily Opportunities To Capture Greater Lifetime Income... Highest Daily Lifetime Five SM variable annuity optional benefit HD Lifetime Five Offers:» 5% INCOME STREAM EVERY YEAR FOR LIFE, WITH NO ANNUITIZATION

More information

Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group

Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group Choices To Plan for the Long Term The financial challenges you face evolve with economic and life

More information

Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity

Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity First, Let s talk about you. Over the years, you worked hard to save for retirement You sacrificed. You made

More information

CONFIDENCE FLEX 85. Confidence is Liquidity Liquidity is Confidence

CONFIDENCE FLEX 85. Confidence is Liquidity Liquidity is Confidence CONFIDENCE FLEX 85 Confidence is Liquidity Liquidity is Confidence THE CONFIDENCE SERIES A GROUP FLEXIBLE PREMIUM DEFERRED ANNUITY WITH PREMIUM BONUS GROUP POLICY FORM 01-1114-98 CERTIFICATE FORM 01-1114CA-98

More information