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Making sure you鈥檙e covered

Preparing for retirement isn't just about figuring out where you want to live, or deciding if you're the type of person who likes cruises. It's also about protecting the savings you鈥檝e worked so hard to build and leaving a lasting legacy for your loved ones. To help reach these goals, you may be looking for ways to add growth potential, guaranteed income and legacy protection into your retirement plan.

Protection from a market downturn

A market downturn can put your savings at risk, which could impact your ability to afford the retirement you鈥檝e always dreamed of. To help protect your retirement savings, think about incorporating strategies for reducing risk while helping provide stability and security.

Solutions to decrease your exposure to risk and create guaranteed income in retirement: 

  • Fixed annuities can allow your principal 鈥� the initial amount you use to purchase the annuity 鈥� to grow tax-deferred.
  • They can also provide protection from loss due to market volatility along the way.
  • Annuities can be a less risky option than investing directly in the stock market.

An 麻豆传媒 Financial Professional can help find the product that鈥檚 right for you. Contact Us 

How is an annuity different than life insurance?

In some ways, annuities and life insurance are like two sides of a coin.  

  • Both are used primarily for protection. 
  • For annuities, the protection they provide is from outliving your money, often in the form of guaranteed income. 
  • Most annuities and certain types of life insurance can be used for tax-deferred accumulation, which means you don鈥檛 need to pay taxes until you begin receiving payments.
  • Life insurance, on the other hand, provides protection through a death benefit that is typically tax-free.
  • Both annuities and life insurance may provide options for death benefit provisions.

Say I enjoy a long life. What can I do to protect my money for as long as I live?

Along with helping to minimize market risk, an annuity can provide retirees the option to build guaranteed income into their retirement plan. At a time when people are living well into their late 80s, 90s and even past 100, this can help ensure your savings last as long as you do. 

Protection

How can I leave a legacy for my loved ones?

Preparing for retirement is often two-fold. You want to ensure your lifestyle is protected, but you may want to create a lasting legacy for your spouse, children or grandchildren as well.

Some annuities offer a death benefit:

  • If you pass away before or while receiving payouts from your annuity, the remaining amount could go to your beneficiaries.
  • Certain annuities can continue to provide guaranteed income to a spouse for the rest of their life.

Products for your protection strategy

Explore featured products to help protect what you鈥檝e saved. Product features and availability may vary by state and/or sales distributor.

麻豆传媒 AccuMax庐

Fixed Indexed Annuities

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn.

Learn more about AccuMax 

麻豆传媒 MYGSM

Multi-Year Guarantee Annuity

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn. May include an optional return of premium benefit.

Learn more about MYG   

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麻豆传媒 ProtectorSM

Fixed Indexed Annuities

Combines the protection provided by fixed rate annuities with the opportunity to earn interest credits based in part on the positive performance of a stock market index.

Learn more about Protector  

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Need other help?

I鈥檓 looking to grow my money 

I鈥檓 looking for income in retirement 

Not sure about your needs? Take this quiz to learn more about how you approach planning for retirement.

Smart Strategies

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.

麻豆传媒 AccuMax ICC20 STA (11/20); 麻豆传媒 Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17); 麻豆传媒 MYG Series MYG (09/15), ICC15 MYG NMV (09/15) ICC17 ROP (08/17) or state variation is issued by 麻豆传媒 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.

麻豆传媒 MYG Series MYG NMV (09/15) ROP (08/17) issued by 麻豆传媒 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.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.