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.
Guarantees are backed by the financial strength and claims-paying ability of a life insurance company.
Talk to Us About Your FIA
Melvin J Samick ?Your Insurance and Retirement Consultant for Life?
Excalibur Life Insurance & Annuity Solutions 888-839-3536 office 714-891-0262 fax