I want two Guarantees for my retirement income:

My monthly income checks must stay the same every month never decreasing when interest rates decline.

My monthly income checks must keep coming to me for my entire life no matter how long I live. All investments I have looked at or have my money incannot give me these two Financial Guarantees.

SOLUTION

Annuities will Guarantee:

Your monthly income checks will be the same every monthyour income will never decrease just because interest rates go down.

Your monthly income checks will be the same forever. With a life income option, your money will never run outand if you die early, and will guarantee to continue the same monthly income checks to whomever you name for the balance of a minimum guaranteed period.

Most investments do not guarantee that my principal will never be less than my original investment.

SOLUTION

Unlike other financial products, annuities guarantee that your principal will never be exposed to market risk. Your policy values will never go down because of market fluctuationsthey will only go up as your guaranteed interest is credited each month, until you take your income payout.