1.      FIXED ANNUITIES ARE NOT INVESTMENTS.  An annuity is a contract with guarantees between the insured and an insurance company with the ability to guarantee an income stream throughout retirement.

2.      YOU CAN NEVER OUTLIVE FIXED ANNUITIES INCOME PAYMENTS. Mutual Funds, Bonds, Stocks, Bank CD’s, Annuities; of these retirement savings choices only annuities can solve longevity and provide a guaranteed lifetime income.

3.      FIXED ANNUITIES ARE A SAFE ASSET CLASS.  Federal and State regulations provide strict reserving guidelines for insurance companies to ensure the security of their policyholders annuity principal and interest.

4.      FIXED ANNUITIES CAN PROVIDE LASTING INCOME TO A SURVIVING SPOUSE.  A surviving spouse can keep receiving a guaranteed income stream for their lifetime, if elected.

5.      FIXED ANNUITIES HAVE LIQUIDITY OPTIONS.  The vast majority of annuity contracts allow for penalty-free withdrawals and contain provisions for emergencies and other contingencies.

6.      FIXED ANNUITIES CAN PROVIDE  AN INFLATION HEDGE FOR YOUR RETIREMENT INCOME.  Today’s fixed annuities can be structured to provide an income that will increase over time while still providing an income that cannot be outlived.

7.      ANNUITIES PROVIDE A REASONABLE RATE OF RETURN.  Due to the safety of principal and interest, as well as the power of belonging to an insurance pool, there is a solid rate of return with annuities, both in deferral and when used for income.

8.       A SUBSTANTIAL PORTION OF RETIREMENT INCOME SHOULD BE LONGEVITY INSURED.  For the pre-retiree or retiree concerned about outliving their assets, or not having an income last through retirement, fixed income annuities have a rightful place in their portfolio of assets.

9.      FIXED ANNUITIES ARE SIMPLE, SAFE, ASSET-TO-INCOME STRATEGY.  For many of those who have accumulated a nice “nest egg” at retirement, the great question becomes, “Now What”.  Fixed annuities offer what is perhaps the simplest and safest means by which to convert a lifetime of savings into a solid, predictable, guaranteed lifetime of income.

10.  FIXED ANNUITIES PROVIDE CHOICES.  Today’s fixed annuities contain options that keep you in control; you can choose income now, later or both; you can choose a guaranteed lifetime income and still change your mind.