SAFETY AND PRINCIPAL PROTECTION
When your goal is eliminating risk and providing guaranteed return to your portfolio, Stan the Annuity Man is right at home – right at your home actually because your financial security deserves my one-on-one attention. To find and utilize best-fit options customized to deliver the guaranteed portion of your portfolio I use the following strategies:
Income Annuity (Single Premium Immediate Annuity – SPIA)
This option provides for a complete “transfer of risk” to the issuing company to pay you for your lifetime. In essence, payments are guaranteed by the full faith and credit of the issuing company. Your principal is protected if structured properly, which I can do for you. I keep extraordinarily current on all annuity matters and am constantly seeking out only the best-of-the-best options for my clients.
Principal is protected. Interest payments and principal are guaranteed by the full faith and credit of the issuing company.
Fixed Index – Equity Indexed Annuities
Principal is protected. All benefits and contractual guarantees are backed by the full faith and credit of the issuing company.
Two important things to know:
State Guarantee Funds
Annuities and life insurance are regulated at the state level. Each state has established a guarantee fund for annuity and life insurance policy holders within that state. State Guarantee Funds CANNOT be used in any sales materials or presentations. Go to this website to check your state guarantee levels – www.nolhga.com.
Insurance Carrier Ratings
These ratings should be your primary source for making a decision on a specific company/carrier. S&P, Moody’s, Fitch, Weiss, are just a few of the services I use.