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Our debt may not what you think it is. The total United States debt is $57 trillion. Our federal tax revenue is $2.2 trillion.

US Debt Clock

Why do you think the Federal Government wants to change the retirement age to 70, so by the time you collect it you are dead?

Never has there been a more urgent need to plan ahead!  Call me.

Protect Your Savings and Create a Safe Secure Income

Annuities^*

It's time for you to take another look!

It's all about safety.  For your "safe money" - the money you don't use for day-to-day expenses, you need to think outside the bank.  Annuity rates are almost always more competitive than CD rates and have the added advantage of growing tax deferred. 

With the current fiscal problems facing so many cities, counties and States, municipal bonds (munis) are not as attractive as they used to be.  Annuities present you with a safe tax advantaged alternative to accumulate funds often at rates comparable to AAA rated muni yields. 

Indexed Annuities allow you to participate in the potential gains of a market index while protecting both your principal and earned interest from loss.

Some annuities have the availability of providing for long term care.  What this means is, even though you only have $100,000 in the annuity, you can take up to 3 times that amount out ($300,000) if faced with a large Long Term Care expenses.  How's that for return?  These products are part of the new hybrid products available.

Annuities should only be considered for long term savings and there are penalties for early withdrawal, but there are provisions for penalty free removal of funds if an emergency should arise. 

Key Benefits

• Tax advantaged savings - what this means to you is that you earn interest on money you otherwise would have paid in taxes.
• Indexed annuities ratchet upward in positive markets and will not lose value when the markets turn down
• Can provide a safe ongoing income for as long as the annuitant lives

*Insurance products including annuities and riders are state specific and may not be available in your state.  Please ask me about availability in your location.

Call Me Today

Underwriter*
Definition: (noun)
1. a. A person or firm engaged in an insurance business. b. an insurance agent who assesses the risk of enrolling an applicant for coverage or a policy.

*From "The American Heritage Dictionary", Houghton, Mifflin Company, Boston, MA.

Copyright © 2011 The Health Underwriter
Last modified: 05/11/12