Protect a portion of your retirement savings from loss.

Death, taxes and … yes, retirement savings are exposed to loss of value. But that’s only part of the problem. The time it takes to make up those losses can be the real issue.

 According to a recent industry study, twice as many baby boomers prefer a product that provides a GUARANTEE NOT TO LOSE retirement savings over a product with higher return.

A Powerful 1-2 Punch of Protection and Growth Potential

An FIA offers you protection, which is especially important if you’re close to retirement and don’t have a lot of time to make up losses before you need income. Keep in mind though: In some years, a fixed index annuity may not credit any indexed interest, so it is not guaranteed to make up losses.

An FIA provides you the potential to earn interest based on positive changes in a market index or a fixed rate determined by the insurance company. FIAs typically place some type of limit (cap or spread) on interest credited when the market index goes up over a specified period (annually or monthly).

Lock in Value

The value of your FIA, including any interest already credited, will not go down when the market index declines. Once interest is credited, it’s locked in — whether future market index performance is positive or negative.

Talk to Us About Your FIA

Moving a portion of your retirement savings into an FIA can yield growth potential without the threat of loss due to market declines. Call us today to get started. Call Mel Samick today and learn how you can invest in the returns of market indexes with no loss to your principal. Mel can be reached at 888-839-3536.

Guarantees are backed by the financial strength and claims-paying ability of a life insurance company. Although external indexes may affect your contract values, the contract does not directly participate in any stock or other investments. You are not buying bonds, shares of stock, or shares of an index fund. You are buying only the growth of those products. Product and feature availability may vary by state.