0 Which Job Would You Prefer?. 1 Imagine that instead of retiring, you are beginning your career and have been offered two jobs.

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Presentation transcript:

0 Which Job Would You Prefer?

1 Imagine that instead of retiring, you are beginning your career and have been offered two jobs.

2 Which Would You Choose? Job AJob B Starting Salary$20,000 per year. $34,000 per year (70% more than Job A). Salary Increase3% annual raise.No raises. Career Income In 19 years, annual income will begin to exceed Job B. Over 19 years, Job B total income exceeds Job A by 27%. Job Security Risk exists that job will be eliminated during the next 30 years, and no other jobs will be available. 100% chance that job will last entire career. Work EnvironmentHigh stress.Low stress.

3 Since You Are Retiring Compare Assumptions: $200,000 retirement asset, 65-year-old couple. 1 Illlustration reflects a joint + survivor income annuity funded with a $200,000 premium for a male annuitant, age 65, and a female joint annuitant, age 65, with payments guaranteed to last the longer of 20 years or through the life of the last surviving spouse. Quote is for illustration purposes only and is lower than rates available as of 11/21/08. 2 Guarantees based on the claims-paying ability of American General Life Insurance Company (AGL). A. 4% INFLATION ADJUSTED WITHDRAWAL FROM ASSETS B. INCOME ANNUITY $8,000/yr initial withdrawal. $14,000/yr, 70% more income 1 than the initial withdrawal described in A. 3% per year increase.Fixed payments that will not increase or decrease. By year 19, withdrawal will be $14,000/yr. Checks guaranteed 2 to continue as long as either spouse is alive or 20 years, whichever is longer. Some maintenance required. May want to adjust withdrawals if markets decline. No maintenance required. Market performance is not guaranteed. If market performs well, assets may remain at death. If market declines, assets could be depleted before death In exchange for higher income and lifetime income guarantees, you irrevocably convert your principal to an income stream.

4 To model an income annuity that meets your needs, visit Thank You Annuities issued by: American General Life Insurance Company, a subsidiary of American International Group, Inc A Allen Parkway, Houston, Texas The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Annuities and riders may vary by state and are not available in all states. This annuity product is not insured by the FDIC or any federal government agency. It is not a deposit of or guarantee by the financial institution or any affiliate. The payments from this annuity are solely the issuing insurer’s responsibility. American General Life Companies, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc. ©2008 American International Group, Inc. All rights reserved. AGLC103477