Annuity Awareness Month

Top Ten Reasons to Buy a Fixed Annuity

Do you know the top 10 reasons consumers are buying fixed annuities? For investors who want to build and protect their assets, annuities are a great option. There are a lot of great reasons to buy a fixed annuity. These are the most common:

1) Multiple Guarantees

• Principal and Interest rate guarantees
• Income guaranteed for as long as you choose: a certain period or for life

2) Safety

• Ensure your surviving spouse has a continuing income
• Can provide money in case of a catastrophic illness or if you (or your spouse) need to enter a nursing home¹

3) Liquidity

• Flexible access to your funds with a variety of surrender-free withdrawal options

4) No Sales Charges

• 100% of your premium can earn interest
• No automatic reset of surrender charges

5) Tax Deferral

• Your earnings will not be taxed until you make withdrawals or start taking regular distributions
• Benefit from triple-compounding: earning interest on principal, interest on interest, and interest on what you would have paid to taxes

6) Control

• Ability to choose a predictable income stream
• Lifetime Income options: payments guaranteed to continue for as long as you live

7) Flexibility

• Multi-year rate guarantee products
• Variety of contribution and payout options

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) Diversification

• Deferred index annuities are able to have credited interest tied to an index, such as the S&P 500^®, without downside risk
• Supplement your retirement income

10) Estate Planning

• Proceeds are paid directly to your named beneficiary
• May avoid the delay and expense of probate

Sales and Marketing Toolkit

Download these flyers and customize on your own desktop.

Sales Concept Flyer Top Ten Reasons to Buy a Fixed Annuity (Fillable PDF)

Companion Flyer What Is the Cost of Waiting? (Fillable PDF)

1 Entering a nursing home by surrendering all or a portion of your deferred annuity or by annuitizing your annuity to a pay-out annuity.

Annuities are not (a) insured by the FDIC or any federal government agency, (b) deposits of or guaranteed by any bank or credit union and (c) a provision or condition of any bank or credit union activity. Some annuities are subject to investment risk and may lose value. A surrender charge may apply during the surrender period, and a 10% penalty may apply to withdrawals prior to age 59½.