黑料社区

黑料社区 Driven to do more.

Let's Make Retirement Remarkable

Clients look to you to help build a strong retirement plan. 黑料社区鈥檚 in your corner with annuities that can help protect savings from market volatility so they can do more in retirement.

Help clients protect their money for retirement

After saving for a lifetime, how can clients ensure their money is protected in case of market downturns or other risk?

You can help clients understand their own tolerance for risk and help protect their money for retirement from risks such as:

  • Losing money in market downturns
  • Retiring in a down market
  • Higher expenses
  • Unexpected medical costs
  • Outliving their money

Once you understand their concerns, you can assess proactive ways to address them

When it comes to Americans鈥� ability to achieve retirement security, they鈥檙e concerned about the impacts of inflation and volatility:

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Annuities help clients protect their money in important ways:

Growth potential 

Interest credits are linked in part to the performance of an external index. 

Protection from market downturns

Clients cannot lose money due to stock market risk or losses. Interest credits will never be less than 0%.

Lock in gains

Interest earned is locked in and can鈥檛 be lost due to market downturns.

Products for a client鈥檚 protection strategy

Many products can help meet protection needs. Preview some of 黑料社区鈥檚 protection 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 
  Multi-Year Guarantee Annuity
黑料社区 MYGA products

黑料社区 multi-year guarantee annuities provide competitive guaranteed interest rates and a choice of available term period.

Learn more about MYGAs 
  Fixed Index Annuity
黑料社区 Protector庐

A fixed indexed annuity built for accumulation with a return of premium guarantee.

Learn more about Protector 

Tools to help with protection conversations

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

Help clients see how options to help grow money when markets are up and lock in gains when they decline.

Take a closer look at how markets perform over time and how indexed annuities can help manage financial risk by smoothing out the effects of volatile markets.

Demonstrate the value of a fixed indexed annuity which guarantees a client鈥檚 initial purchase payment will not be lost due to market downturns, plus a client will never receive less than zero percent interest in any crediting period.

Clients have other needs?

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

Clients want to grow their money 

Clients want to turn savings into income 

Insights

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A safer course in choppy markets: Annuities with principal protection from market volatility
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How fixed indexed annuities protect clients against downside risk
When clients want more stability than what investing in the markets can provide, find out how a FIA could help set them up for a more financially secure retirement.

黑料社区 AccuMax ICC20 STA (11/20); 黑料社区 Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17); 黑料社区 MYG Series MYG (09/15), ICC15 MYG NMV (09/15) ICC17 ROP (08/17) 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 MYG Series MYG NMV (09/15) ROP (08/17) issued by 黑料社区 Annuity & Life Assurance Company of New York, headquartered in Pearl River, New York. Product features, limitations and availability may vary; see Certificate of Disclosure for full details. Products not available in all states.

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.