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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 an Index Protector 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 annuities offer strategies based on the following indexes and ETFs:
While our fee-based annuities are designed to bring long-term value to a portfolio, liquidity options are available.
Clients may withdraw up to 10% each year without incurring early withdrawal charges or MVAs. This feature may be useful for portfolio rebalancing. Early withdrawal charges and market value adjustments may apply to withdrawals greater than the free withdrawal amount. For more information on product-specific early withdrawal charges and market value adjustments, refer to the Index Protector product reference guide.
Extended care and terminal illness waiver riders allow clients to withdraw their money without incurring early withdrawal charges or negative MVAs when certain criteria are met. There is no charge for these riders.
Return of premium
With an Index Protector 7 fee-based annuity, clients can surrender their contract after the third contract year and receive no less than their initial purchase payment (minus prior withdrawals and applicable taxes and rider charges).