Don't Lose Another Cent!!!!

When it comes to annuity products, fixed index annuities (FIAs), offer the opportunity for interest growth while protecting you against market risk.

• FIAs offer the ability to earn interest based on changes in an external index, such as the S&P 500, while offering protection from loss of principal. Important to know, at no time is your money invested directly in the market because you do not actually own any stocks, bonds, index funds, or other investments, so your principle is protected from risk of loss. When the index increases you are credited gains.... when the index loses -- you do not lose a penny!!!

• FIAs offer additional benefits including tax deferral, a guaranteed minimum value, a death benefit, and the option for guaranteed lifetime income.


• Most annuities give you access to at least a portion of your money, such as 10%, per year after the first year with no surrender charges.

• Many FIAs offer multiple ways to access funds .

• Features, such as penalty-free withdrawals, loans, nursing home provisions, and full accumulation value paid to beneficiaries at death are now common.


• Most current FIAs allow for lump-sum access at the end of the term, some as low as a 5 year period. Many offer the option if you choose -- for a guaranteed lifetime withdrawal stream.

FIAs let you choose a beneficiary - and you can change them down the line if you want.

• Your beneficiary will be entitled to receive a death benefit if you die before you withdrawal your money, or if annuity payments have been initiated, to receive any remaining guaranteed payments under certain annuity options, in lieu of a death benefit.


An FIA may be a good solution. The reality is, with the current volatility of the financial markets– combined with the limited availability of retirement income sources such as pensions –Americans have a greater responsibility to prepare for their future. FIAs can be a great addition to an overall retirement income plan.

Contact me for more information regarding the most current progressive Annuities available today. Some offer bonuses credited to your principle of up to 7%. Think about it – if the Annuity Index were to gain 7 to 9 % over the next year plus a 7% bonus that would equal 14 to 16% gain without any market risk.