Annuities bring strength… For Agent Use Only Annuities bring strength… To Retirement

Annuities bring strength… For Agent Use Only Retirement is more of a concern now, more than it ever has been before. To understand why, let’s take a look at the constantly changing landscape of retirement

Annuities bring strength… For Agent Use Only Just a few generations ago, there was no retirement. Most people worked their entire life, or until they were too old to perform their job

Annuities bring strength… For Agent Use Only Next, we saw the age of corporate benevolence. This included benefits such as pensions and social security. These benefits, and more, introduced millions of Americans to retirement – typically lasting approximately 8 years

Annuities bring strength… For Agent Use Only That system soon is going away. Some Social Security projections show revenue shortfalls as early as Currently Social security is only projected to replace 30% of pre-retirement income. Pensions are rapidly disappearing from the corporate landscape as well. In 1979, 84% of employees were covered by pensions. As of 2005, that dropped dramatically to 37%

Annuities bring strength… For Agent Use Only There are some self-funded retirement options available for consumers, such as 401(k)s and IRA’s. However, there are some drawbacks to these options. Some options limit the amount of money that can be contributed and they do not provide a guarantee

Annuities bring strength… For Agent Use Only Another point some people do not account for is inflation. During their working years, most consumers expect raises and bonuses from their employer to, at the very least, stay on pace with inflation. However, most people forget that those things disappear when retirement begins.

Annuities bring strength… For Agent Use Only On January 1, 2008, the first baby boomer will turn age 62, the average age for retirement. 76 million more baby boomers will follow over the next 15 years. Most of these are more likely to live 30 years after retirement but only plan their savings to last 10 – 15 years.

Annuities bring strength… For Agent Use Only All these factors… Uncertainty of social security Fewer and fewer pensions Limitations on funding limits for self funded plans No guarantees available Inflation How long they will live into their retirement years …have left people wondering about their retirement options and financial security.

Annuities bring strength… For Agent Use Only Fixed annuities can be a tool to help clients remove some of those uncertainties. Primary Advantages: Growth is tax deferred (based on current federal income tax laws) No limit on contributions Avoid Probate Guaranteed stream of income (with inflation adjustment options)

Annuities bring strength… For Agent Use Only Contributions & Growth No limits on contributions Tax Deferred Growth

Annuities bring strength… For Agent Use Only Guarantees & Inflation protection Guaranteed interest rate and / or payment Inflation protection

Annuities bring strength… For Agent Use Only Simplicity & Lifetime Income Avoid Probate Platinum Income Annuity can Guarantee income

Annuities bring strength… For Agent Use Only Retirement is significant event Many tools going away Use fixed annuities to help strengthen retirement

Annuities bring strength… For Agent Use Only Solutions for clients who want guaranteed interest: HorizonSelect HorizonSecure HorizonPlus 2004 HorizonMYG HorizonFlex

Annuities bring strength… For Agent Use Only Solutions for clients who want greater upside potential but need downside protection in order to sleep at night: AIG VisionMaximizer VisionAdvantage HorizonIndex Emerging Edge

Annuities bring strength… For Agent Use Only Solutions for clients who want to convert accumulated wealth into a guaranteed income stream: Platinum Income Annuity Guaranteed Income CPI Option Medical Underwriting available

Annuities bring strength… For Agent Use Only Ratings Strong Reputation Broad Product Portfolio Member of American International Group, Inc. AgencyBasisRating Standard & Poor’s CorpFinancial StrengthAA+ Very Strong (second highest) A.M. Best CompanyFinancial StrengthA++ Superior (highest) FitchFinancial StrengthAA+ Very Strong (second highest) Moody’s Investment ServicesFinancial StrengthAa1 Excellent (second highest)

Annuities bring strength… For Agent Use Only Options: 1.New Business and Client Servicing 2.Quote Team 3.Marketing Desk 4.New Business Forms 5.Commissions, Licensing & Contracting 6.To call a 4-digit extension Annuity Support Contact

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