While the traditional 60/40 portfolio may have worked well in the past, today’s market rewards different approaches. How can you offer clients protection from loss, greater growth opportunity and retirement income?
Allocating a portion of clients’ portfolios to a fee-based fixed-indexed annuity may be the answer.
A fee-based fixed-indexed annuity protects your clients’ principal and locks in their earnings on an annual basis – regardless of what’s happening in the market. This means once interest is credited, it will not be lost due to market performance. It’s that simple.
Fixed-indexed annuities may provide greater growth opportunity than fixed income investments with strategies that earn interest based on a market index or ETF. Interest is guaranteed to never be less than 0%.
Our fee-based annuity offers strategies based on the following indexes and ETF:
While our fee-based annuity is designed to bring long-term value to a portfolio, liquidity options are available.
Clients may withdraw up to 10% each year without an early withdrawal charge. This feature may be useful for portfolio rebalancing. All early withdrawal charges end after seven years.
Return of premium
If clients choose to surrender their contract after the third contract year, they will receive no less than their initial purchase payment (minus prior withdrawals and applicable taxes and rider charges).
Extended care and terminal illness waiver riders allow clients to withdraw their money without incurring an early withdrawal charge when certain criteria are met. There is no charge for these riders.
Optional riders provide extra certainty for retirement with guaranteed lifetime income. There is an annual charge for these riders.