It’s almost impossible not to.
Of Americans are nervous
about retirement
Of Americans are concerned about not having a lifetime income
Of Americans are concerned about the
risk of a financial surprise
You can choose the certainty of a fixed interest rate that is annually declared and subject to minimum guarantees. Your annuity also has a Minimum Guaranteed Value.
Save more for retirement with tax-deferred growth. The Denali™ Series allows you to keep more of your retirement savings working for you by deferring taxes until you choose to access the funds in your annuity.
Your savings are always protected from market fluctuations and are 100% principal protected. There is no direct downside market risk to your funds.
You also have the choice of interest based on the performance of an external market Index.
A lifetime withdrawal benefit is automatically included and ensures that you can generate a lifetime income that will last for your life.
To help prepare for the unexpected, the Denali Series can offer higher withdrawals for a period of time if certain health conditions are met.
Multiple liquidity options are available to help you when life throws a curveball. After the withdrawal charge term, you can always access the full account value of your annuity.
Leave a legacy for your loved ones and avoid probate. The full account value is available after your death. If your spouse is the beneficiary, then he or she can always choose to continue the policy.
Long term care planning through annuities can help you protect your nest egg and make sure that your loved ones won’t carry a piece of responsibility when difficult times happen.
With a solid long-term care plan, you can often continue to live independently and on your own terms, even as you age or face health challenges.
When you plan ahead for long-term care, you have more options and greater flexibility when it comes to choosing care providers and facilities that meet your specific needs and preferences.
Long-term care can be expensive, but planning ahead can help you prepare financially and avoid unexpected expenses that could deplete your savings or retirement funds.
By taking steps to plan for your long-term care needs, you can reduce the burden on your loved ones and help ensure that they are not left to shoulder the responsibility of care on their own.
There are several types of savings vehicles that you can use to save money for your future: Certificate of Deposits, Savings Accounts, Money Markets, 401(k), 403(b), IRAs, Mutual Funds, Indexed Annuities, Indexed Universal Life. Here is a comparison of each one of those accounts:
