• SAFE ACCUMULATION:  Your principal and credited interest are protected against market downturns.

• GUARANTEED INCOME:  You can be fully protected from the possibility of outliving your assets with an income rider.

• TAX DEFERRAL:  Accumulated interest is tax-deferred.

• POTENTIAL INCREASING INCOME:  Fixed Index Annuities can offer the potential for increasing income over time based on market performance.

• POSSIBLE DEATH BENEFIT:  Fixed Index Annuities can provide death benefits in addition to income (if desired).

LONGEVITY RISK:  Due to healthier lifestyles and medical advances, average life expectancies have significantly increased over the past five decades.

STOCK MARKET VOLATILITY:  Any monies invested in the market are subject to potential losses.  In the recent past, millions of retirees have been impacted by two major market crashes.

INFLATION RISK:  Inflation is a serious reality and a constant economic factor.  The costs of goods in the U.S. become more and more expensive nearly every year.

SEQUENCE OF RETURNS:  The simple fact is it is impossible to predict how the market will do when you start your retirement.  Beginning in an up market versus starting in a down cycle can have a major impact on how long your retirement assets can last.