Share the Top 10 Reasons to Buy Fixed Annuities

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 (Fillable PDF)

Companion Flyer What Is the Cost of Waiting? (Fillable PDF)

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.