Annuities bring strength… For Agent Use Only Annuities bring strength… To Retirement

Annuities bring strength…

For Agent Use Only


To Retirement


For Agent Use Only

Retirement is more of a concern now, more than it ever has been before.

To understand why, let’s take a look at the constantly changing landscape of retirement


For Agent Use Only

Just a few generations ago, there was no retirement. Most people worked their entire life, or until they were too old to perform their job


For Agent Use Only

Next, we saw the age of corporate benevolence. This included benefits such as pensions and social security.

These benefits, and more, introduced millions of Americans to retirement – typically lasting approximately 8 years


For Agent Use Only

That system soon is going away.

Some Social Security projections show revenue shortfalls as early as 2017.

Currently Social security is only projected to replace 30% of pre-retirement income.

Pensions are rapidly disappearing from the corporate landscape as well.

In 1979, 84% of employees were covered by pensions. As of 2005, that dropped dramatically to 37%


For Agent Use Only

There are some self-funded retirement options available for consumers, such as 401(k)s and IRA’s.

However, there are some drawbacks to these options.

Some options limit the amount of money that can be contributed and they do not provide a guarantee


For Agent Use Only

Another point some people do not account for is inflation.

During their working years, most consumers expect raises and bonuses from their employer to, at the very least, stay on pace with inflation.

However, most people forget that those things disappear when retirement begins.


For Agent Use Only

On January 1, 2008, the first baby boomer will turn age 62, the average age for retirement.

76 million more baby boomers will follow over the next 15 years.

Most of these are more likely to live 30 years after retirement but only plan their savings to last 10 – 15 years.


For Agent Use Only

All these factors…

•Uncertainty of social security

•Fewer and fewer pensions

•Limitations on funding limits for self funded plans

•No guarantees available

•Inflation

•How long they will live into their retirement years

…have left people wondering about their retirement options and financial security.


For Agent Use Only

Fixed annuities can be a tool to help clients remove some of those uncertainties.

Primary Advantages:

• Growth is tax deferred (based on current federal income tax laws)

• No limit on contributions

• Avoid Probate

• Guaranteed stream of income (with inflation adjustment options)


For Agent Use Only

Contributions & Growth

•No limits on contributions

•Tax Deferred Growth


For Agent Use Only

Guarantees & Inflation protection

•Guaranteed interest rate and / or payment

•Inflation protection


For Agent Use Only

Simplicity & Lifetime Income

•Avoid Probate

•Platinum Income Annuity can Guarantee income


For Agent Use Only

Retirement is significant event

Many tools going away

Use fixed annuities to help strengthen retirement


For Agent Use Only

Solutions for clients who want guaranteed interest:

• HorizonSelect

• HorizonSecure

• HorizonPlus 2004

• HorizonMYG

• HorizonFlex


For Agent Use Only

Solutions for clients who want greater upside potential but need downside protection in order to sleep at night:

• AIG VisionMaximizer

• VisionAdvantage

• HorizonIndex

• Emerging Edge


For Agent Use Only

Solutions for clients who want to convert accumulated wealth into a guaranteed income stream:

• Platinum Income Annuity

• Guaranteed Income

• CPI Option

• Medical Underwriting available


For Agent Use Only

Ratings

• Strong Reputation

• Broad Product Portfolio

• Member of American International Group, Inc.

Agency Basis RatingStandard & Poor’s Corp Financial Strength AA+ Very Strong (second highest)

A.M. Best Company Financial Strength A++ Superior (highest)

Fitch Financial Strength AA+ Very Strong (second highest)

Moody’s Investment Services Financial Strength Aa1 Excellent (second highest)


For Agent Use Only

888-438-6933Options:1. New Business and Client Servicing2. Quote Team3. Marketing Desk4. New Business Forms5. Commissions, Licensing & Contracting6. To call a 4-digit extension

Annuity Support Contact

[email protected]


For Agent Use Only

• Disclaimer page

Documents

Annuities bring strength… For Agent Use Only Annuities bring strength… To Retirement