Annuities

ANNUITIES WILL HELP YOU PROTECT YOUR RETIREMENT SAVINGS & GROW YOUR INCOME

Let’s Talk Retirement & How Investing in Annuities Minimize Your Risk While Maximizing Your Peace of Mind. You’ve lived with risk, don’t retire with it!

Retirement in America Is Changing by Jim Poolman, Executive Director of The Indexed Annuity Leadership Council

You have what it takes to guarantee a retirement that fits your needs. Retirement comes in all shapes and sizes. Get a snapshot of retirement in America from our Executive Director Jim Poolman.

Busting Myths, Telling Truths

Can you sort fixed indexed annuity (FIA) fact from fiction?

A common misconception is that FIAs are too complicated or complex. However, FIAs offer a simple story: growth potential, without risk of loss, due to market downturns, as well as a steady income stream in retirement.

Together, let’s uncover many of the other myths on diversification, FIAs, and more.

Annuity Basics Made Simple in 4:30 Min

In today’s volatile economy, it can be hard to feel balanced while riding the roller-coaster stock market. A diversified retirement plan is essential, and

indexed annuities can add balance, giving you some peace of mind—no matter what happens on Wall Street. But like most financial products, they are complex. So, it’s important to understand the product and its benefits.

An annuity is essentially an insurance product. In the most basic sense, an annuity is a contract between you and an insurance company that says you will pay for the annuity in either a single lump sum or multiple payments over time. In return, the insurance company promises to make payments from the annuity to you in a single or series of payments.

Fixed Indexed Annuity Basics Continued...

Because of these features, the value of your money will never decline for as long as it is in the annuity. But it can increase with a rising index, offering growth potential. Once interest is credited, it can never be lost due to interest rate adjustments or negative market fluctuations, and it may even compound.

Indexed annuities offer low risk, guaranteed income, and protection for market ups and downs. Visit our Testimonials page to learn more about the benefits of indexed annuities from people like you.

Annuity Educational Videos

We all want a retirement plan that is ready for anything.

See if fixed indexed annuities (FIAs) are a retirement savings vehicle that will help round out your financial portfolio. Watch four quick videos for a complete overview.

How to Tell FIA Facts From FIA Fiction

Calculating goals, reevaluating strategies, and adjusting contributions are just as essential as lifestyle changes before and during retirement. Discover the b…

Are You Planning on Income to Last a Lifetime?

When thinking about retirement, what is needed for a secure and comfortable ride? Understand how fixed indexed annuities (FIAs) help to provide predictable inc…

Questions to Ask When Purchasing a Fixed Indexed Annuity

When deciding if a fixed indexed annuity (FIA) should be part of your strategy, consider asking a financial professional these suggested retirement-related questions…

Ready, Set, Go: FIAs In a Nutshell

Learn the need-to-know basics of fixed indexed annuities (FIAs) in three and a half minutes

Three Retirees Testimonial Videos

Fixed Indexed Annuities (FIAs) Find Place in Retirees’ Portfolios

Hear from retirees in a variety of life stages who have successfully added FIAs to their retirement plans.

David, a retired engineer, talks about shifting his mindset and his money from risk to safety for his retirement nest egg.

David Leeper's Annuity Testimonial

Frank, a former pastor who has been retired for years, discusses how putting funds into safe money options has allowed him and his wife to carry out their retirement.

Frank New's Annuity Testimonial

Louise Bridges, a self-employed healthcare consultant, explains how getting out of the stock market and into indexed annuities has brought her closer to her retirement…

5 Fixed Indexed Annuity Myths Busted!

To determine if a fixed indexed annuity is right for you, it’s important to have full knowledge of how they work and how they may fit into your overall retirement plan. Understanding some common misconceptions about these unique financial products is a step in that direction.

1. Myth — Annuities are full of hidden charges.

Like mutual funds or any managed money solution, the indices used in index interest crediting strategies may include management fees. Insurance companies employ caps, participation rates, and spreads to limit the interest credited in exchange for protection from stock market risk or losses. There may be a charge for riders. Financial professionals and the insurance company that issues the contract must disclose any and all fees associated with annuities. They must clearly explain withdrawal charges, which may be incurred if the client surrenders the contract during the withdrawal charge period or withdraws money beyond the penalty-free amount allowed in the contract.

2. Myth — Annuities are not taxed efficiently.

Annuities are long-term, tax-deferred products and can be a valuable solution for those looking to grow their retirement savings. Annuity earnings will grow on a tax-deferred basis until you begin taking withdrawals or surrendering the annuity.* Over time, you will have the potential to build more retirement savings than you would have been able to have your earnings been taxed as income. However, there is no additional tax benefit associated with funding an annuity from a tax-qualified source like a 401(k) plan.

3. Myth — Annuities can’t keep up with inflation.

Income riders frequently offer payout rates that are indexed to inflation. This can help you keep pace with the rising cost of goods and services.

4. Myth — Annuities are not liquid.

In most cases, deferred annuities allow you to withdraw up to a specified percentage of the contract’s accumulated value each year during the withdrawal charge period without any charges. Once the withdrawal charge period has ended, funds may be withdrawn without any charges. Keep in mind that fixed indexed annuities are designed to meet your needs for long-term retirement savings and income.

5. Myth — Fixed indexed annuities are investments.

Fixed indexed annuities are insurance products that are designed to help you manage certain financial risks associated with retirements such as volatile markets, falling interest rates, and longevity. They do not directly participate in any stock or equity investments.

. CLICK HERE FO THE SOURCE OF INFO

Let’s Retire Your Risk, Not Your Hard Earned Gains!

Herbert Whitehouse, who invented the idea of the 401k (403b,457b, 403b, I.R.A) 35 years later is like “oops, that was a bad idea.” Yea thanks, fellas! I think we figured that out on our own! But thanks for being honest 35 YEARS LATER! Unbelievable. Truly unbelievable! That’s not even the worst part, the worst part is many of you will still see this and continue to own one though the ones who created are telling you it was a bad idea and regret creating it!

READ THE FULL ARTICLE HERE

Consider Rolling Over 401K or I.R.A Into a Fixed Indexed Annuity TODAY!

It makes sense that people may be apprehensive to purchase something they may not fully understand. But, if you are looking for a way to supplement your retirement portfolio with a product that can help lead you toward the happy and secure retirement you dream of, then contact me Today For a FREE consultation, and let’s discover together how a properly structured Fixed Index Annuity can round out your retirement plan.

Let’s Retire Your Risk, Not Your Hard Earned Gains!

Downloadable Resources

The Indexed Annuity Leadership Council’s Retirement Planning Worksheet. Use this worksheet as a resource to help plan for your retirement by reviewing your income needs. Fill in the blanks below to see what you have currently saved, where your savings may fall short, and to see if fixed indexed annuities (FIAs) fit into your retirement plan.

Benefits of Fixed Indexed Annuities Summarized

Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime income.

Get some peace of mind — no matter what happens in the market. Consider these five key benefits:

Fixed Indexed Annuity's 101

When you think about retirement, what are your goals? For most people, the answer is a nice balance between stability, favorite pastimes, and new adventures. Balance is also important in your financial life: between reward and risk, nest egg preservation, and growth.

No one knows what the future holds. That’s why fixed indexed annuities (FIAs) should be considered by retirement savers looking for peace of mind no matter what happens in the financial markets.

We promise no pop quizzes or grades. Just solid, simple information from “what is an FIA” to “how annuities differ” to “how to tell if this retirement vehicle may be right for you.” Ready, set? Let’s learn.

Fixed Indexed Annuities FAQ

Discover our most frequently asked questions about fixed indexed annuities (FIAs). Get the answers you need to help calculate your path to retirement.

Retirement Calculators

Are you on track for retirement? These customizable calculators will allow you to run different scenarios and discover how small adjustments could make a big difference for your retirement future.

These calculators are helpful tools in your retirement planning. Please note, they are not financial advice or counsel. Take your results to a financial professional, who can answer your additional questions and advise on the next steps.

Indexed Annuity Leadership Council

The IALC is committed to providing complete and factual information about the use of fixed indexed annuities (FIAs).

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ANNUITIES