ANNUITIES – GOT GUARANTEES?

An annuity is a contract between you and the insurance company that works like a personal investment.  You can invest a lump sum payment or a regular series of payments and then later receive regular disbursements at a defined period of time, usually around retirement.

“I MAY TAKE RISKS IN LIFE, BUT I WILL NEVER RISK MY MONEY, I USE ANNUITIES AND I NEVER HAVE TO WORRY ABOUT MY MONEY.”

– BABE RUTH

WHY ANNUITIES ARE THE ANSWER

WHICH OF THESE 3 RETIREMENT PATHS DO YOU WANT TO PARTICIPATE IN?

The Red line is the ups and downs of the S&P for a 20 year period.

The Blue line is a conservative fixed rate safe guaranteed annuity.

The Green Line is a Fixed Indexed Annuity (FIA) example where it allows you to participate (not beat) risk free in the market upside, but NOT participate in the market downside.

 

Our clients sleep well at night knowing that they bought an annuity for what it will do, not what it might do!

IS AN ANNUITY RIGHT FOR YOU?

  • Are you worried that you will outlive your retirement plan (ie 401k, Savings, IRA)?
  • Do you want to participate in some of the positive market returns but not in any of it’s losses?
  • Are you worried about the market collapsing again anytime soon?
  • Do you want to leave a legacy / money to your heirs after you die?
  • Needing additional Long Term Care benefits?
  • Do you want to protect any of your hard earned principle from taxes, inflation and depletion?

If you answered yes to one or more of these questions, then an Annuity is probably right for you.

WHAT ANNUITY IS THE BEST?

There are many types of annuities, companies and programs.  Once we figure out your needs and goals, we will then find the best annuity program that meets those needs and goals.

WHAT COSTS ARE ASSOCIATED WITH AN ANNUITY?

Many annuities we use have no fees or costs associated with them.

HOW CAN I FUND AN ANNUITY?

Rollover options from existing 401k or IRA
Monthly Installments
Write a Check
Rollover One Annuity into Another Annuity

THE BENEFITS OF INDEXED ANNUITIES

  • Never lose principal…. Guaranteed. Power of zero – zero loss floor
  • Tax-deferral
  • Income for life
  • Great growth potential similar to stock market returns, minus the losses.
  • Startup Bonuses given with most carriers we use.
  • Liquidity – able to take a small percentage of money out of the policy yearly

DISCLAIMER

The annuity and market performance data presented is historically accurate, but does not indicate or predict future annuity or market performance. The index annuity demonstrated is a sample product. Various annuity products and companies can be used in your state by your broker or us at Legal Awareness for Arizona. This information is simply provided as a historical reference for educational purposes only.