Annuities bring strength…
Annuities bring strength…
To Retirement
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Annuities bring strength…
Retirement is more of a concern now,
more than it ever has been before.
To understand why, let’s take a look at
the constantly changing landscape of
retirement
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Annuities bring strength…
Just a few generations ago, there was no retirement. Most
people worked their entire life, or until they were too old to
perform their job
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Annuities bring strength…
Next, we saw the age of corporate benevolence. This
included benefits such as pensions and social security.
These benefits, and more, introduced millions of Americans
to retirement – typically lasting approximately 8 years
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Annuities bring strength…
That system soon is going away.
Some Social Security projections show revenue shortfalls as early as
2017.
Currently Social security is only projected to replace 30% of pre-retirement
income.
Pensions are rapidly disappearing from the corporate landscape as well.
In 1979, 84% of employees were covered by pensions. As of 2005, that
dropped dramatically to 37%
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There are some self-funded retirement options
available for consumers, such as 401(k)s and IRA’s.
However, there are some drawbacks to these options.
Some options limit the amount of money that can be
contributed and they do not provide a guarantee
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Another point some people do not account for is inflation.
During their working years, most consumers expect raises and
bonuses from their employer to, at the very least, stay on pace
with inflation.
However, most people forget that those things disappear when
retirement begins.
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On January 1, 2008, the first baby boomer will turn age 62, the
average age for retirement.
76 million more baby boomers will follow over the next 15 years.
Most of these are more likely to live 30 years after retirement but
only plan their savings to last 10 – 15 years.
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All these factors…
•Uncertainty of social security
•Fewer and fewer pensions
•Limitations on funding limits for self funded plans
•No guarantees available
•Inflation
•How long they will live into their retirement years
…have left people wondering about their retirement
options and financial security.
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Annuities bring strength…
Fixed annuities can be a tool to help clients remove some of those
uncertainties.
Primary Advantages:
•
Growth is tax deferred (based on current federal income tax laws)
•
No limit on contributions
•
Avoid Probate
•
Guaranteed stream of income (with inflation adjustment options)
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Annuities bring strength…
Contributions & Growth
•No limits on contributions
•Tax Deferred Growth
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Guarantees & Inflation protection
•Guaranteed interest rate and / or payment
•Inflation protection
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Simplicity & Lifetime Income
•Avoid Probate
•Platinum Income Annuity can Guarantee income
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Annuities bring strength…
Retirement is significant event
Many tools going away
Use fixed annuities to help strengthen retirement
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Annuities bring strength…
Solutions for clients who want guaranteed interest:
•
HorizonSelect
•
HorizonSecure
•
HorizonPlus 2004
•
HorizonMYG
•
HorizonFlex
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Annuities bring strength…
Solutions for clients who want greater upside potential but need
downside protection in order to sleep at night:
•
AIG VisionMaximizer
•
VisionAdvantage
•
HorizonIndex
•
Emerging Edge
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Solutions for clients who want to convert accumulated wealth into a
guaranteed income stream:
•
Platinum Income Annuity
• Guaranteed Income
• CPI Option
• Medical Underwriting available
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Ratings
•
Strong Reputation
•
Broad Product Portfolio
•
Member of American International Group, Inc.
Agency
Basis
Rating
Standard & Poor’s Corp
Financial Strength
AA+ Very Strong (second highest)
A.M. Best Company
Financial Strength
A++ Superior (highest)
Fitch
Financial Strength
AA+ Very Strong (second highest)
Moody’s Investment Services
Financial Strength
Aa1 Excellent (second highest)
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Annuities bring strength…
Annuity Support Contact
888-438-6933
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Quote Team
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To call a 4-digit extension
[email protected]
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