Share the Top 10 Reasons to Buy Fixed Annuities
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For anyone who wants to build and protect their assets, annuities are a great option. Here are 10 great reasons to buy a fixed annuity:
1) Multiple Guarantees
- Principal and Interest rate guarantees
- Income guaranteed for as long as your client chooses — a certain period or for life
2) Safety
- Helps to ensure the surviving spouse has a continuing income
- Can provide money in case of a catastrophic illness or if your client (or spouse) needs to enter a nursing home1
3) Access
- Flexible access to funds with a variety of surrender-free withdrawal options
4) No Sales Charges
- 100% of premium can earn interest
5) Tax Deferral
- Earnings will not 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 paid to taxes
6) Control
- Ability to choose a predictable income stream
- Lifetime income options: payments guaranteed to continue for as long as your client lives
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, without downside risk
- Supplement retirement income
10) Estate Planning
- Proceeds are paid directly to the named beneficiary
- May avoid the delay and expense of probate
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