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Secure Your Future with a Fixed Indexed Annuity
Discover the Power of Guaranteed Growth and Reliable Income
In today’s unpredictable financial landscape, securing a stable future requires more than just saving money. It demands smart planning and a reliable strategy to protect and grow your assets. Our Fixed Indexed Annuity offers you the tools to do just that, combining the safety of principal protection with the potential for growth and a guaranteed income stream.
What is a Fixed Indexed Annuity?
A Fixed Indexed Annuity (FIA) is a long-term retirement product designed to provide you with financial security and peace of mind. Unlike traditional investments, FIAs offer:
Principal Protection:
Your investment is protected from market losses, ensuring your initial capital is safe.
Growth Potential:
Benefit from the positive performance of market indices without directly investing in them, meaning your returns are not subject to market volatility.
Tax-Deferred Accumulation:
Allow your earnings to grow without immediate tax obligations, enhancing your overall return.
Key Features and Benefits
Guaranteed Income for Life:
Transform your savings into a consistent income stream that lasts as long as you need it. Choose from flexible payout options that suit your retirement lifestyle.
Access to Funds:
After the first year, you can withdraw up to 10% of your contract value annually without penalties, providing flexibility for unexpected expenses or opportunities.
Legacy and Wealth Transfer:
Ensure your loved ones are taken care of with a full contract value available to beneficiaries, free from surrender charges at the time of your passing.
Competitive Crediting Strategies:
Our FIA offers a variety of crediting strategies linked to major indices like the S&P 500 and Nasdaq-100, allowing you to benefit from market gains with a cap or participation rate.
Additional Riders:
Enhance your contract with options like the Nursing Home Confinement and Terminal Illness riders, offering waivers on withdrawal charges in times of need.
How It Works
Initial Investment:
Start with a minimum premium that suits your financial situation and choose a term that aligns with your retirement timeline.
Growth Options:
Select from various crediting strategies that determine how your annuity earns interest based on market performance.
Withdrawal Options:
After the first year, enjoy penalty-free access to a portion of your funds, or let your investment continue to grow for future security.
Premier Fixed Indexed Annuity Product Details
Enjoy a secure and worry-free retirement with our Fixed Indexed Annuity. Benefit from principal protection and tax-deferred growth linked to top indices like the S&P 500. With flexible terms from 3 to 10 years and a minimum premium of $20,000, you can tailor a retirement plan to fit your needs. Access your funds penalty-free after the first year, and ensure a lasting legacy with full value transfers to your beneficiaries. Discover how this annuity can be the cornerstone of your financial future.
Product Overview:
- Type: Single Premium Deferred Annuity with Market Value Adjustment (MVA)
- Terms: 3, 5, 7, and 10 years
- Issue Ages: Up to age 89 for 3 and 5-Year Terms; up to age 84 for 7 and 10-Year Terms
- Minimum Premium: $20,000
Key Features:
- Fund Access: Withdraw up to 10% annually after the first year without surrender charges
- Wealth Transfer: Full contract value to beneficiaries without charges at death
Additional Benefits:
- Riders: Nursing Home and Terminal Illness waivers for charges and MVA
- Crediting Strategies: Linked to indices like the S&P 500 and Nasdaq-100
Options:
- Settlement: Life Only, Life with 10-Year Period, Joint and Last Survivor
- Death Benefit: Contract value paid without charges if the owner dies before payments begin
- Spousal Continuation: Allows a spouse to continue the contract
Request More Information and Receive Our Bonus Retirement White Paper: 5 Strategies for Securing Your Retirement Income
What you’ll learn in this whitepaper:
- Unlock Growth Potential with Principal Protection: Discover how Fixed Indexed Annuities (FIAs) can provide market-linked growth without risking your initial investment.
- Achieve Financial Stability with Guaranteed Lifetime Income: Learn how FIAs offer a steady income stream for life, ensuring peace of mind throughout your retirement.
- Maximize Your Savings with Tax-Deferred Growth: Explore the benefits of tax-deferred growth and how it can significantly enhance your retirement nest egg over time.
- Ensure a Smooth Wealth Transfer to Beneficiaries: Understand how FIAs can facilitate efficient and tax-advantaged wealth transfer, preserving your legacy for future generations.
Request More Information and Receive Your Complimentary White Paper
Take control of your financial future today. Our Fixed Indexed Annuity offers the perfect balance of safety, growth, and flexibility. Contact us now to learn how you can benefit from this powerful retirement planning tool.
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DISCLAIMER: The information provided in our educational content, including on our website, in white papers, guidebooks, videos, and social media posts, has been compiled from various sources believed to be reliable. However, this content is not intended as tax, financial, or legal advice. For specific advice pertaining to your individual situation, please consult with a professional in legal, financial, or tax matters.
The purpose of our materials is to enhance client awareness and educate on topics that may be relevant to services offered by BFG Insurance Designers. These materials should not be considered as investment advice or a solicitation to invest, nor should they be used as the sole basis for any investment decision. While we strive to ensure the accuracy of the information, it is based on the latest public data available and is not guaranteed.
Please note that examples and illustrations, such as numerical data, charts, graphs, formulas, and calculations, are provided for illustrative purposes only and do not pertain to specific individual circumstances.
For more detailed information or inquiries, contact BFG Insurance Designers directly or consult your Investment Advisor.
Investment Advisory Services provided by the Investment Advisor Representatives of BFG Insurance Designers are available through Caitlin John Private Wealth Management LLC, a SEC Registered Investment Advisor Firm. BFG Insurance Designers, LLC and Caitlin John, LLC are separate entities and are not affiliated.
Investing involves risks including the potential loss of principal. There is no assurance that any investment strategy will achieve its objectives. Past performance does not guarantee future results. Investors should consider their financial goals, objectives, and risk tolerance before investing with the guidance of their Advisor.
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