Share the Top Reasons to Buy a Fixed Annuity

There are many good reasons to buy a fixed annuity. Do you know the top 10?

1. Multiple Guarantees​
   • Principal and interest rate guarantees
   • Income guaranteed for as long as your client chooses — for a certain period or for life 
2. Control
   • ​​Ability to choose a predictable income stream
   • Payments guaranteed to continue for as long as your client lives 
3. Safety
   • ​​Helps to ensure the surviving spouse has a continuing income
   • Funds can be accessed with no surrender charges in the event of a terminal illness or upon entering a nursing home* 
4. Tax deferral
   • ​​Earnings won’t be taxed until your client makes withdrawals or starts taking regular distributions
   • Benefit from triple-compounding: earn interest on principal, interest on interest, and interest on what would have been paid to taxes 
5. Flexibility
   • ​​Multi-year rate guarantee products
   • Variety of contribution and payout options 
6. Estate planning
   • ​​Proceeds are paid directly to the named beneficiary
   • May avoid the delay and expense of probate 
7. Diversification
   • ​​Deferred index annuities can tie credited interest to an index, without downside risk
   • Supplement retirement income 
8. Accumulation
   • ​​Long-term savings plan for future income stream
   • Principal protection: Deferred index annuities never lose value in a “bad” year, while capturing some growth in a “good” year 
9. Access
   • ​​Flexible access to funds with a variety of surrender-charge free withdrawal option 
10. No sales charges
    • ​​100% of premium can earn interest

Use This Sales Idea

Download this flyer to share the top 10 reasons with your clients.

Top Ten Reasons to Buy a Fixed Annuity