黑料社区

黑料社区 Driven to do more.

Let's Make Retirement Remarkable

Clients are relying on you to help bring retirement dreams to life. Look to 黑料社区 for annuities that provide the growth and confidence they expect 鈥攁nd the service and support you need.

Help clients meet growth goals

How can clients ensure they鈥檝e saved enough for retirement?

As clients get closer to retirement, it can be important to provide growth potential to help manage risks of:

  • Outliving their money
  • Loss during market downturns
  • Higher living expenses

Having important conversations about their retirement goals can help find solutions for what they may want and need.
 

The number 52 with a percent sign sitting inside a circle graph.

After calculating how much they鈥檒l need in retirement, 52% of workers start to save more. The renewed interest in saving is largely due to the drastic difference between what people believe they鈥檒l need for retirement compared to what they currently have saved.

*EBRI 2024 Retirement Confidence Survey

Growth potential made possible with 黑料社区

黑料社区 is a leader in annuities that can create growth potential before and during retirement.

The benefits an annuity can add to clients鈥� overall retirement strategy can help provide financial freedom to pursue plans for the remarkable retirement they have imagined with:

  • Guaranteed growth strategies without direct market investment
  • Higher growth potential that could outpace inflation
  • Growth potential while still protecting principal purchase amount
  • Tax deferral allowing more money more time to grow
  • Options that accommodate various risk tolerance
     

Products for a client鈥檚 growth strategy

Many products can help meet growth potential needs. Preview some of 黑料社区鈥檚 growth-focused annuities to learn more. Product features and availability may vary by state and/or sales distributor.

  Fixed Index Annuity
黑料社区 AccuMax庐

An accumulation-focused fixed indexed annuity, AccuMax offers single-term, multi-year crediting strategies, attractive Participation Rates and protection from loss due to market downturns.

Learn more about AccuMax 
  Fixed Index Annuity
黑料社区 Accumulator鈩�

黑料社区 Accumulator fixed indexed annuities offer a variety of index crediting strategies and exclusive indices that deliver strong growth potential. An optional Legacy Rider also provides guaranteed growth to the Death Benefit Rider Benefit Base.

Learn more about Accumulator 
  Registered Index-Linked Annuity
黑料社区 Amplify 2.0

This 6-year registered index-linked annuity provides the opportunity to capture gains when markets are up while enjoying a level of protection when they鈥檙e down.

Learn more about Amplify 
  Fixed Index Annuity
黑料社区 Performance Elite庐

Fixed indexed annuities built for accumulation with highly competitive rates. A variety of complementary indices, many exclusive to 黑料社区, deliver elite growth potential. A Fixed Strategy with a 1-year guarantee is also available. The strong optional liquidity features help bring added flexibility and peace of mind.

Learn more about Performance Elite 

Tools to help with growth conversations

Our collection of essential guides and worksheets can help you have valuable retirement growth planning conversations with your clients.

Help your clients see how the typical ups and downs of the S&P 500庐 generally offer positive performance over time. This perspective can help show the value of fixed indexed annuities as an option to save for retirement. 

Help clients see how to gain the growth potential of a two-year strategy with the potential for interest credits each year. 

Take a closer look at diversification and how it helps drive performance in fixed indexed annuities. 

Clients have other needs?

Learn more about how annuities can help meet client needs for income and protection.

Clients want to turn savings into income 

Clients want to protect what they have 

 

Insights

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3-minute
Delivering solid returns in tough economic times
Even in an extreme down market, risk control custom indices can add stability to a fixed indexed annuity, helping boost growth potential compared with benchmark indices like the S&P 500庐.
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3-minute
What is a registered index鈥憀inked annuity and how does it work?
As a client gets closer to #Retirement, there鈥檚 less time to recoup lost ground from market swings. Find out how a RILA helps cushion the impact with growth opportunities and a level of protection.
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2-minute
Comparing RILAs and VAs
Find out more about RILAs and VAs and which situation each makes sense in.

黑料社区 AccuMax ICC20 STA (11/20); 黑料社区 Accumulator GEN (09/15) NB and 黑料社区 Accumulator Legacy Rider ICC16 GMDB (06/16); 黑料社区 Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) 黑料社区 Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14) or state variation is issued by 黑料社区 Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Product not available in all states.

黑料社区 Amplify 2.0 RIA II (01/22) or state variation is issued by 黑料社区 Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate 黑料社区 Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the Prospectus for details. Product not available in all states.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index not any market-indexed annuity is comparable to a direct investment in the equity markets.

Although fixed indexed annuities offer principal protection from market downturns, the deduction of applicable charges could exceed any interest credited, resulting in the loss of principal.

*Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.

The S&P 500庐 Index (the 鈥淚ndex鈥�) is a product of S&P Dow Jones Indices LLC or its affiliates (鈥淪&P DJI鈥�) and has been licensed for use by 黑料社区 Annuity and Life Company (鈥満诹仙缜��). S&P庐, S&P 500庐, SPX庐, US 500, The 500, iBoxx庐, iTraxx庐 and CDX庐 are trademarks of S&P Global, Inc. or its affiliates (鈥淪&P鈥�); Dow Jones庐 is a registered trademark of Dow Jones Trademark Holdings LLC (鈥淒ow Jones鈥�). 黑料社区鈥檚 products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.