Retirement is not about stopping work. It’s about being financially protected.
DO YOU FEEL UNCERTAIN ABOUT RETIREMENT?
It's almost impossible not to.
80%
Of Americans are nervous about retirement
73%
Of Americans are concerned about not having a lifetime income
82%
Of Americans are concerned about the risk of a financial surprise
Annuities can play a strategic role in helping you stay aligned with your long-term retirement objectives. Many people are unaware that annuities may also support long-term care planning and serve as tools for preserving and protecting accumulated wealth.
A fixed indexed annuity offers a structured approach to growing savings while prioritizing protection and flexibility. It is designed to help safeguard your principal, provide opportunities for growth, and allow access to funds based on your needs and timing, depending on the terms of the contract.
Unlike direct market investments such as stocks or bonds, fixed indexed annuities are designed to reduce exposure to market volatility. Your principal is protected from market downturns, while interest potential is linked to the performance of a market index. This structure allows for growth opportunities without the risk of losing money due to market declines.
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We understand that every individual’s situation is unique, and we take a personalized approach to addressing your needs.
GUARANTEED STABILITY
You may select an option that offers predictable interest credited annually, supported by contractual minimums. Your annuity includes a guaranteed baseline value designed to provide consistency and long-term confidence
You can choose the certainty of a fixed interest rate that is annually declared and subject to minimum guarantees. Your annuity also has a Minimum Guaranteed Value.
OPPORTUNITY FOR GROWTH
Interest crediting options may be linked to the performance of a market index, allowing your annuity the potential to grow based on market movement without direct market exposure.
You also have the choice of interest based on the performance of an external market Index.
PRINCIPAL SAFEGUARDS
Your contributions are protected from market losses. While growth potential may be tied to an index, your principal is shielded from market downturns, ensuring no loss due to market volatility.
Your savings are always protected from market fluctuations and are 100% principal protected. There is no direct downside market risk to your funds.
TAX-DEFERRED ACCUMULATION
Your annuity grows without current taxation, allowing earnings to compound over time. Taxes are deferred until funds are withdrawn, helping you maximize the growth of your retirement savings.
Save more for retirement with tax-deferred growth. The Denali™ Series allows you to keep more of your retirement savings working for you by deferring taxes until you choose to access the funds in your annuity.
LIFETIME INCOME OPTIONS
Built-in income features allow you to create a stream of income designed to last for your lifetime, providing financial confidence regardless of how long you live.
A lifetime withdrawal benefit is automatically included and ensures that you can generate a lifetime income that will last for your life.
ENHANCED ACCESS DURING HEALTH EVENTS
If certain qualifying health conditions occur, increased withdrawal options may be available for a defined period, offering additional financial support when it is needed most.
To help prepare for the unexpected, the Denali Series can offer higher withdrawals for a period of time if certain health conditions are met.
FLEXIBLE LIQUIDITY
Your annuity offers multiple access options to accommodate life’s unexpected moments. Once any applicable withdrawal period has passed, the full account value may be available to you.
Multiple liquidity options are available to help you when life throws a curveball. After the withdrawal charge term, you can always access the full account value of your annuity.
LEGACY PLANNING
Your annuity can help transfer wealth efficiently to your beneficiaries. The remaining account value passes directly to your loved ones, and a surviving spouse may have the option to continue the contract.
Types of Savings You Can Use
There are several types of savings vehicles that you can use to save money for your future: Certificate of Deposits, Savings Accounts, Money Markets, 401(k), 403(b), IRAs, Mutual Funds, Indexed Annuities, Indexed Universal Life. Here is a comparison of each one of those accounts:
Why You Might Need A
Long Term Care Insurance Now
Here are some of the benefits that can help you and your loved ones.
Achieve Financial Independence
With a well-structured long-term care strategy, you can maintain control over your lifestyle and financial choices, even as life evolves or unexpected health challenges arise.
Get Better Options
Planning in advance for long-term care gives you greater choice and flexibility, allowing you to select care options, providers, and settings that best align with your needs and personal preferences.
Protect Your Financial Assets
Long-term care costs can add up quickly, but proactive planning helps you prepare financially and reduce the risk of unexpected expenses draining your savings or retirement income.
Less Burden To Your Loved Ones
Planning ahead for long-term care helps ease the responsibility placed on your loved ones, ensuring they are not left to manage care decisions or financial obligations on their own.
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