1. This is a Real LIFE story of a friend of mine. He did not want to retire, but he had to, at 75 years of age, 10 years after the normal retirement age. He had no Health Insurance, no Life Insurance; HOWEVER, he had money in the bank. He thought his savings would last for the rest of his life, as he had not planned to live much longer. Well, he died at age 89; AND, His savings ran dry at his age 80. WHY? Because people cannot predict how long they will live, they also cannot anticipate how much money they will need to support themselves for the rest of their lives. Call Michel 324 1155

2. Annuities have been in existence for well over 200 years. In the USA, the very first mention of annuities was the use of these products by the Presbyterian Church in 1740 to provide security for the clergy and widows. Annuities allow you to deposit your accumulated pension money, saved up all these past years for retirement, with a Life Insurance Company, and then receive from them a guaranteed income payable to you for LIFE, as long as you live. An Annuity is required by law.

3. Life spans have been increasing for over 100 years. It is now common for people who reach retirement age, to live 20 years or more in retirement, most of those years in good health. Its good to live a long and full life, but you want to be certain that your income lasts as long as you do, and its purchasing power is as strong as you are. ANNUITIES are a unique financial product that can enhance your retirement security. Call Michel 324 1155

4. Annuities are also compared to the osprey—an aircraft that can hover like a helicopter and fly like a plane. Ospreys don’t hover as well as helicopters and don’t fly as well as planes, but no other vehicle in the world does both. For the right candidate, annuities can offer an attractive blend of earnings and safety that few other readily available financial products can match. Call Michel Trumbach 324 1155

5. FACT Annuities guarantee a pension-like income for life better than any other financial product. There is no more efficient tool for converting a specific sum of money into a monthly income that lasts as long as you live-even if you are still kicking at age 105. Its more likely that more people will buy annuities in the future, as we are living longer and saving less Call Michel 324 1155

6. Many people confidently walk the financial high wire of life without a safety net. Others, especially those who are approaching retirement, feel more secure when a net is there to catch them—just in case the tightrope snaps. If you prefer a financial safety net and you are willing to pay for one, then consider an annuity. Call Michel 324 1155

7. Just as life insurance insures you and your family from the risk of dying early, an income annuity or an advanced life annuity can insure you against the risk of living so long that you run out of money. Call Michel 324 1155