Share the Top Reasons to Buy a Fixed Annuity

October 1, 2020

There are many good reasons to buy a fixed annuity. Do you know the top 10?

  1. Multiple Guarantees​
    • Principal and interest rate guarantees
    • Income guaranteed for as long as your client chooses — for a certain period or for life 
  2. Control
    • ​​Ability to choose a predictable income stream
    • Payments guaranteed to continue for as long as your client lives 
  3. Safety
    • ​​Helps to ensure the surviving spouse has a continuing income
    • Funds can be accessed with no surrender charges in the event of a terminal illness or upon entering a nursing home* 
  4. Tax deferral
    • ​​Earnings won’t be taxed until your client makes withdrawals or starts taking regular distributions
    • Benefit from triple-compounding: earn interest on principal, interest on interest, and interest on what would have been paid to taxes 
  5. Flexibility
    • ​​Multi-year rate guarantee products
    • Variety of contribution and payout options 
  6. Estate planning
    • ​​Proceeds are paid directly to the named beneficiary
    • May avoid the delay and expense of probate 
  7. Diversification
    • ​​Deferred index annuities can tie credited interest to an index, without downside risk
    • Supplement retirement income 
  8. Accumulation
    • ​​Long-term savings plan for future income stream
    • Principal protection: Deferred index annuities never lose value in a “bad” year, while capturing some growth in a “good” year 
  9. Access
    • ​​Flexible access to funds with a variety of surrender-charge free withdrawal option 
  10. No sales charges
    • ​​100% of premium can earn interest

 

Use This Sales Idea

Download this flyer to share the top 10 reasons with your clients.

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Top Ten Reasons to Buy a Fixed Annuity

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