ANNUITIES

FAKE NEWS - THE REAL TRUTH ABOUT ANNUITIES

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WHY ANNUITIES?

Annuities have been around for centuries, actually since the Roman Empire. They have been used as a savings vehicle, and primarily as a way to provide a lifetime guaranteed income. About 20 years ago the first indexed annuities came on the market and they have become, by far, the most popular form of annuity. The primary attraction is the potential for a higher rate of return than the traditional fixed annuity.

The graph below shows the difference between two different investments – the stock market (S&P 500) and an indexed annuity. As you can see from the graph, the green line, which is the indexed annuity, has performed extremely well. The fact that the indexed annuity has never had a negative year, but has been able to participate in a portion of the market gains, has made it, over the long term, an attractive investment option.

Clearly, the most attractive benefits of indexed annuities is that there is no loss of principal because of stock market declines.

Indexed annuities offer a low, guaranteed, interest rate plus the potential for additional interest credits based on a percentage of the gains of a specified stock market index – the S&P 500® or other, sometimes less traditional, indexes. No matter how much the stock market declines, the annuity owner’s accounts are not affected, because annuity premiums do not directly participate in the stock market by purchasing individual stocks or mutual funds.

LS Financial Group Co-Founder and CEO Len Strickler has co-authored 2 books “The Power of Leadership: Leading for Results” and “5 Keys to a Successful Retirement” and is also the host of Safety in Retirement TV and Radio, airing in South Florida.

Recently, Len formed an alliance as a collaborating author with retirement specialist, Economist and Author, Mr. Tom Hegna, in 2 of Tom’s recent books, “Pay Checks and Play Checks”and “Don’t Worry, Retire Happy.” At right, is a video from Tom’s Special PBS Show on the number one risk retirees face.

WATCH THESE VIDEOS TO LEARN MORE ABOUT ANNUITIES

An Introduction to Annuities

What are you looking forward to?

This protection from downside losses is a primary feature distinguishing indexed annuities from variable annuities. In variable annuities, your funds purchase investments in “sub-accounts.” For this reason, a variable annuity has the opportunity to increase in value when the market rises, but can also decrease in value in a declining market.

There are many different kinds of anuities and a very wide variety of riders available and if the agent has not properly determined the precise needs and desires of the client it can lead to the client purchasing an annuity that does not provide what the client truly requires. Our staff of experienced agents has had many decades of combined experience making sure that our clients receive the proper annuity based on their needs and desires.

HOW LONG WILL YOU LIVE

It’s something we all wish we knew – How Long Will I Live? And, while we can never truly know when our time will end, actuaries today have made estimating life expectancy a true science. Why? Because there are financial and retirement planning products offered, like annuities, that contain features such as GUARANTEED LIFETIME income benefits. Benefits such as these help to provide income security to many of today’s retirees. Because no one wants to worry about the possibility of outliving their money. Download our complimentary guide to learn more today.