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Your clients need a safety net, so give them one!

2/29/2016

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The past few years have been an unusual time here in America. Many people lost a large portion of their retirement savings during the economic crash of 2008/2009. Many people took their money out at the bottom and simply didn’t put it back in. The result is that most people just did not save enough money and are now looking for a safety net – something that will protect them when they retire. 

Some folks believe that the one “safety net” available to them is Social Security. Unfortunately, what was supposed to be a supplement for many retirees’ final years has now become the only thing keeping their heads above water. That’s not a safety net. Social Security was never meant to be a retiree’s only income. 

Take a quick look at these recent statistics:
Among studies, a 2014 “Retirement Confidence Survey” reports that 36% of respondents had less than $1,000 put away for retirement or other needs! Only one thousand dollars in savings! Incredible. But, as bad as that 36% figure is – and it is bad – only 20% reported having a thousand dollars put away in 2009!  It’s not getting better; it’s getting worse and rather quickly at that! 

So what’s a person to do? It’s really pretty simple ...
  • People have to quit messing around and quit believing in the Tooth Fairy
  • Start looking at guarantees ... products that guarantee them a lifetime, realistic, and livable income.
  • Everyone deserves and simply must have a safety net. 

Since you are reading this article, you probably have clients and prospects with more than $1,000 put away, but chances are good that they just don’t have the potential retirement income that they're hoping for. Your clients are not going to have the opportunity to roll the dice if they are within five to ten years of retirement. Folks, it’s time to take some of their money “off the table” and play it safe. Get them to go for that real safety net!

I’d encourage you to propose the living benefits of Fixed-Index Annuities to your clients. These lifetime income benefit riders are known by a variety of terms. Some companies call FIAs “Guaranteed Income Withdrawal Benefits.” The bottom line is this, unlike annuitization, this type of rider allows your clients to take a lifetime income from the annuity without losing control of their retirement asset. They can stop and start at any time, and their account value can continue to grow. The lifetime income rider assures your clients that they will never run out of money or live too long. And they can get these payout’s either in the Single Life Income or, if they have a spouse at home, they can choose the Joint Life Income. 

These products also have chronic illness, terminal illness, and confinement waivers that reduce or eliminate some of the most aggravating retirement fears: sickness and chronic and critical illness. It’s odd that one of the simplest products on the market – an indexed annuity with living benefits – is often either misunderstood or just not on many retirees’ radar. The Lifetime Income Benefit Rider along with the Chronic Illness and Confinement Waivers could just be the one product decision that truly provides your clients with their retirement safety net.  

Think about it, and then give us a call at 1-877-844-0900 for an easy-to-understand illustration about how you can protect your clients quickly, easily, and affordably!

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