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The Cost of Waiting
If You Are Waiting for Interest Rates to Go Up, You May Be Missing Out!
What Are You Waiting for?
Even in a low interest-rate environment, an annuity's compounded growth and tax-deferral can grow your savings faster than you may think. If you are waiting for interest rates to go up before buying an annuity, you may be missing out.
If you put your $50,000 into a 5-year guaranteed annuity paying 2.40%, you would be guaranteed $56,295 at the end of five years, less any withdrawals you may have taken.
That's tax-deferred, compounded growth, a minimum guaranteed return and flexible access to your money along the way. Few taxable investments can compete with this blend of safety, growth and flexibility.
Here's Another Way to Look at It
If you waited just one year before buying the annuity, your $50,000 would have to earn 3.01% annually for four years to catch up with the annuity's earnings of $56,295.
If you waited two years before buying the annuity, your $50,000 would have to earn 4.03% annually for three years to achieve the same $56,295 you would have been guaranteed had you owned the annuity all along.
An annuity from The Standard may be just the solution to meet your financial needs. We offer a variety of annuities and withdrawal options so you can select the one that fits your lifestyle and helps achieve your financial goals. Help transform your retirement dreams into reality with The Standard.
See our new Cost of Waiting calculator. This calculator quickly illustrates how many years it will take to catch up if you waited for interest rates to rise.
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What Is the Cost of Waiting?
Top Ten Reasons to Buy a Fixed 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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Jared's Story: Time for Family
Age: 36 - Occupation: trial attorney - Married, one child
How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children
Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.
David's Story: Starting a Medical Career
Age: 33 - Occupation: dermatology physician - Single, no children
Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.
Jason's Story: Accidents Happen
Age: 35 • Occupation: orthopedic surgeon • Married, two children
Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.