Annuities

Annuities can help eliminate one of your fundamental concerns: Outliving your savings. They offer you guaranteed lifetime income payments, which give you:

• Freedom to fulfill your retirement dreams
• Financial peace of mind
• Flexibility to use your cash however you choose

An annuity is an insurance plan you invest in. Your money grows tax deferred until you receive regular payments.

Unique among insurance products, annuities offer you:

• Guaranteed lifetime income payments that you can't outlive
• Your money grows tax deferred, which minimizes the taxes you have to pay when you start receiving payments
• Flexible payout options that can meet your financial needs

Determine Your Need for Annuities

Annuities are insurance products that can help you accumulate money for retirement and can provide you a reliable, guaranteed income in your golden years.

You might be right for an annuity if:

• You're nearing retirement age or have already retired
• You need to replace income from your regular paycheck
• You want the peace of mind that your investment won't decline in value
• You want an alternative to a certificate of deposit
• You want to build money tax deferred to use at a later date
• You have non-qualified funds to invest in a financial product

What can you use annuity payments for?

How you use annuity payments are up to you. Here are the most common uses:

• Everyday living expenses
• Supplement Social Security payments or other income sources you may have
• Fund a grandchild's education
• Contribute to charity
• Fund other insurance products

Annuities Plan Details

Ultra-Income

A single premium immediate annuity with competitive guaranteed lifetime income payments:

• Can provide you an income option you can't outlive
• Select multiple income options to meet your specific needs
• Offers cost of living adjustments
• If you have certain health conditions, you can receive larger payouts without increasing your premium

For a free consultation about annuities, call 800-426-2058.

Who needs this?

Ultra-Income may be right for you if you are:

At retirement

• Currently utilizing income from your retirement investments
• Need to replace income from your regular paycheck
• Require funding for your current living expenses

Nearing retirement

• Want to fund an early retirement
• Require a supplement income

Payment Options

• Lifetime income – guarantees payments for the rest of your life
• Lifetime income with period certain – you can determine how long you want to receive payments; if you die before that period ends, your beneficiary will get the remainder of the payments
• Joint and survivor income – payments continue to the annuitant you select, for as much and for as long as originally determined, if you die
• Fixed amount – choose the payment amount you want; you or your beneficiary will continue to receive payments until the value of the account is paid out

Income Access

A single premium immediate annuity that gives you access to your money:

• Provides a guaranteed lifetime income
• Allows access to your money when you need it (surrender and tax penalties may apply)
• 10% or 20% payment increase for certain medical conditions
• Optional benefits that can help meet your individual needs (for more information, see below)

For a free consultation about annuities, call 800-426-2058.

Who needs this?

Income Access may be right for you if you are:

At retirement

• Currently utilizing income from your retirement investments
• Need to replace income from your regular paycheck
• Require funding for your current living expenses

Nearing retirement

• Want to fund an early retirement
• Require a supplement income

Optional Benefits

• Guaranteed minimum death benefit – the policy pays the greater of premiums not already paid or 10 percent of the initial premium
• Nursing home rider – increases payments by 50 percent if policyowner is confined to a nursing home
• Survivor continuation option – payments are tied to the policyowner and selected survivor
• Inflation protection – payments are increased by 3 percent a year to keep pace with inflation

Bonus Flexible Annuity

A flexible premium deferred annuity with tax deferred benefits:

• Your money grows tax deferred
• You have access to your money when you need it (penalties may apply)
• Death benefit protection is provided

For a free consultation about annuities, call 800-426-2058.

Who needs this?

People who are looking to accumulate retirement savings who:

• Want the option of varying premium payments that fit their changing needs
• Want to build retirement money tax deferred to use at a later date
• An alternative to a certificate of deposit

Ultrannuity

Deferred annuities with a one or three-year guaranteed interest rate:

• Provide a guaranteed fixed interest rate for one or three years
• Give you access to your money (penalties may apply)
• Watch your money grows tax deferred

 For a free consultation about annuities, call 800-426-2058..

Who needs this?

People who are looking to accumulate retirement savings who:

• Want the peace of mind that their investment will not decline in value
• Want to build retirement money tax deferred to use at a later date
• An alternative to a certificate of deposit

Product Benefits

1-year – Includes an additional 1% interest rate for the first year

3-year – Includes an additional .35% interest rate for the first three years

Access to Your Money When You Need It

We understand emergencies happen. You have access to money in your policy, without penalty, in circumstances like:

• Hospitalization
• Disability
• Unemployment
• Death of a spouse or minor dependent
• Damage to your residence

Ultra-Secure 5 & 7

Deferred annuities with a 5- or 7-year fixed guaranteed interest rate:

• Provides a guaranteed fixed interest rate for five or seven years
• You have access to your money (penalties may apply)
• Your money grows tax deferred
• Offers competitive renewal rates

For a free consultation about annuities, call 800-426-2058.

Who needs this?

People nearing retirement age or have already retired who:

• Want the peace of mind that their investment will not decline in value
• Want to build retirement money tax deferred to use at a later date
• An alternative to a certificate of deposit

Product Benefits

5-year – Includes a 1% additional interest rate for the first year; an additional .25% is added at contract renewal

5- and 7-year – An additional .15% interest rate is added on purchase payments and accumulation values of $100,000 or higher.

Access to Your Money When You Need It

We understand emergencies happen. You have access to money in your policy, without penalty, in circumstances like:

• Hospitalization
• Disability
• Unemployment
• Death of a spouse or minor dependent
• Damage to your residence

 For a free consultation about annuities, call 800-426-2058.

Email: info@amlifegroup.com
Call: (561) 547-9003
Toll-Free: (800) 426-2058
Fax: (561) 533-0391

Call, or click here to get a free quote
 

Copyright 2006, American Life & Health Group, Inc.