No matter how long you live you'll always receive the same guaranteed retirement paycheck. For healthy people, you'll collect hundreds of thousands of dollars more over your long expected lifespan. Without paying an extra dime.
With a 401(k) most of us will need to save hundreds of thousands of dollars more than we used to. And we're increasingly at risk of running out money in our long retirements.
You have higher than expected longevity. Products are not medically underwritten, so the longer you live the more money you make.
You’re looking to optimize for guaranteed lifetime income
You haven’t yet started saving for retirement
You aren’t taking advantage of your employer’s retirement plan match
You want liquidity (to withdraw funds before retirement)
Retirement income is the “salary” you receive once retired – when living and enjoying life is your only job! Retirement income can be generated by a few sources - including your employer pension, social security, a longevity annuity and/or an immediate annuity.
The money you contribute to the income annuity is invested by top rated insurers of your choice. It’s invested conservatively in their General Account, largely in fixed income investments as well as some in equities. Importantly, they take on all of the investment risk, so if their investments underperform, it’s on them. Not you.
Unlike variable or indexed annuities, fixed and income annuities don’t have any fees. All expenses incurred by the insurance company, including paying us as distributors, is reflected in the price they’re able to offer. The income or return quoted is exactly what you’ll get – no more, no less.
Customers have already said great things about us.
