Top 10 Reasons To Purchase an Indexed Annuity:

10. Should you trust insurance carriers more than you trust
banks?
 From March 2008 to Present, 465 Banks in the US failed.*
 From March 2008 to Present, 0 Insurance carriers failed (3
entered receivership)

9. I want the money to go to my family if I die.
 Indexed annuities pay the full accumulation value upon death
of the annuitant.
 Properly designated beneficiaries ensure that annuities
will not have to go through probate.

8. I want the benefits of triple compounding.
 Earning interest on my contributions, earning interest on my
interest, earning interest on the money that I would have paid
in taxes. **

7. I want access to my money.
 After the first policy year, you may withdraw up to 10% of your
accumulation value without application of withdrawal
charges. ***
 Annuitization without a life payout.
 No penalties from insurance carrier in the event of nursing
home confinement or terminal illness. (In approved States,
subject to rider limitations.)

6. I want an income stream, regardless of how long I live.

 Lifetime Income Riders offer protection against outliving
savings.

5. I need to supplement my Social Security payments.
 Currently, Social Security benefits are only intended to provide
for 40% of retirement income — future benefits will likely
provide for less.****

4. The power of the annual reset.
 Interest locked into accumulation value annually.
 Provide opportunity when the index is up and protection
when the index is down.
 Zero is my Hero — an indexed annuity with annual interest
may earn 0% interest in a year, but never a negative amount.
Because of the annual reset, the index does not have to make-
up value from a down year. The index’s year-end value
becomes the year-start value.

3. Time my annual issue dates.
 Market timing is not necessary on indexed annuities

2. I want the ability to outpace other fixed money products.
 Indexed annuity rates have the potential to be considerably
higher than secure/conservative investment options like
Savings bonds, Savings account, Certificates of Deposit
(CDs), and Checking accounts.

1. I don’t want to lose money.
 I am looking to save money for retirement
 I am not comfortable losing money

 Indexed Annuities offer guaranteed safety of principal and
guaranteed minimum return.
___________________________________________________________
* Source—FDIC Failed Bank List
**Taxes are paid at the time of withdrawal
***Subject to IRS qualified plan guidelines. Withdrawals prior to
age 59 ½ may be subject to IRS 10% early distribution penalty.
****Source—Social Security Bulletin, Vol. 65, No. 3
***** Guarantees are based on the claims paying ability of the
issuing companies.