MULTI-YEAR GUARANTEED
Consider a Multi-Year Guaranteed Annuity (MYGA) for clients seeking a predictable, fixed rate of return over a set period, especially in a low-risk portion of their portfolio. MYGAs can offer higher yields than CDs and help manage ?
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FLEXIBLE PREMIUM DEFERRED
A flexible premium deferred annuity allows clients to make multiple contributions over time, offering adaptability to changing financial situations. It also provides tax-deferred growth, making it a valuable tool for long-term retirement planning.
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SINGLE PREMIUM IMMEDIATE ANNUITY
A SPIA can provide your clients with guaranteed lifetime income, helping to address longevity risk and create predictable cash flow in retirement. It also allows for efficient asset decumulation while potentially reducing sequence-of-returns risk in a client’s overall retirement strategy.
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GROWTH DESIGNED
An FIA offers the potential for market-linked growth without direct market risk, making it a compelling option for clients seeking asset growth with downside protection. It provides tax-deferred accumulation and can include a Cash Bonus. FIAs can help diversify a portfolio while preserving principal during volatile markets. This makes them attractive for conservative growth-oriented strategies, especially nearing or in retirement.
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INCOME DESIGNED
A Fixed Indexed Annuity (FIA) with a lifetime income rider can provide your clients with market-linked growth potential while protecting their principal from losses. It offers guaranteed lifetime income, helping address longevity risk—a top concern for many retirees. This solution can complement other retirement income sources and provide predictability in uncertain markets. It also allows clients to maintain some control over their assets, unlike traditional pension plans.
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