Share the Top 10 Reasons to Buy Fixed Annuities

June 3, 2019
Share the Top 10

For anyone who wants to build and protect their assets, annuities are a great option. Here are 10 great reasons to buy a fixed annuity:

1) Multiple Guarantees

  • Principal and Interest rate guarantees
  • Income guaranteed for as long as your client chooses — a certain period or for life

2) Safety

  • Helps to ensure the surviving spouse has a continuing income
  • Can provide money in case of a catastrophic illness or if your client (or spouse) needs to enter a nursing home1

3) Access

  • Flexible access to funds with a variety of surrender-free withdrawal options

4) No Sales Charges

  • 100% of premium can earn interest

5) Tax Deferral

  • Earnings will not 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 paid to taxes

6) Control

  • Ability to choose a predictable income stream
  • Lifetime income options: payments guaranteed to continue for as long as your client lives

7) Flexibility

  • Multi-year rate guarantee products
  • Variety of contribution and payout options

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) Diversification

  • Deferred index annuities are able to have credited interest tied to an index, without downside risk
  • Supplement retirement income

10) Estate Planning

  • Proceeds are paid directly to the named beneficiary
  • May avoid the delay and expense of probate

Sales and Marketing Toolkit

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Sales Concept Flyer

Top Ten Reasons to Buy a Fixed Annuity

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Companion Flyer

What Is the Cost of Waiting?

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1 Entering a nursing home by surrendering all or a portion of your deferred annuity or by annuitizing your annuity to a pay-out annuity.

Annuities are not (a) insured by the FDIC or any federal government agency, (b) deposits of or guaranteed by any bank or credit union and (c) a provision or condition of any bank or credit union activity. Some annuities are subject to investment risk and may lose value. A surrender charge may apply during the surrender period, and a 10% penalty may apply to withdrawals prior to age 59½.


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