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Without getting too technical, the insurance company pays interest to your account based on the increase in the S&P 500 index, however usually up to a cap. For example some indexed annuities will credit your interest based on the annual growth of the S&P 500 UP TO A CAP of usually 10%. Now that doesn’t sound like a very good deal if the S&P increase 21% in a year. However consider this…. Should the S&P LOSE 15% in a year your loss is ZERO! That’s right S&P 500 loss means no loss of principal value to the indexed annuity client. You wouldn’t be credited any interest that year (some indexed annuities offer minimum interest guarantees regardless of the index performance) but you wouldn’t have the loss that would have been incurred from the mutual fund.

Indexed annuities are excellent way to benefit from the upside of an upswing in the stock market without the downside or market risk because you are not actually INVESTED in the stock market.

So when it comes to retirement savings benefitting from the upside of the stock market, without the market risk, with indexed annuities you can have your cake and eat it too.

To learn more about how you can benefit from having your retirement savings dollars in an indexed annuity feel free to contact me directly for more information or to have any of your questions answered.

In my next message I’ll explain how to withdraw your money from an annuity.

In the meantime, if you would like more information regarding annuities or have any questions regarding your retirement savings options feel free to contact me directly at 877-777-7055 or visit our website at www.insr4u.com

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1. To create an estate
2. Or to transfer an estate

95% of the families in the U.S. need life insurance for the first reason, to create an estate. In other words, to replace the income lost in the event that one or both of the family’s income producers are struck down by a premature death, which would dramatically shorten the time they have to create their estate. The 5% of those individuals that use life insurance for estate transfer want to transfer their accumulated wealth to someone besides their spouse tax free. A primary trigger for a family’s need for life insurance is usually the birth of the first child. As part of your family financial plan you should consider how those children will be financially taken care of if the primary income earners die BEFORE the children are grown and out of the house. This type of coverage is better known as “income replacement” coverage. And it is far more affordable than most people believe.

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You’ll want to hear the story of April Capil. She was diagnosed with breast cancer in November 2008, and you can learn what has happened to her in this short video:

Had April had a critical illness policy to SUPPLEMENT her health insurance, she could have used her lump sum tax free benefit to pay the medical expenses her health insurance did not.

To learn how affordable this type of coverage is or to learn how you could receive up to $500,000 should you be diagnosed with a critical illness click the button below.

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When most of us parents were children we seemed to instinctively know that bicycles were meant to stay on the earth. However young bike riders today are intent on seeing how high and far they can fly their vehicles! With the advent of “Extreme Sports”, extreme bicycle injuries have increased… to learn more watch this short video:

So don’t wait another minute. You can cover EVERY family member for up to $10,000 per incident, by adding this valuable supplemental coverage to your health plan NOW for only $50 per month for the entire family to cover medical expenses due to an injury your health insurance won’t cover…

simply click the button below to apply online and get approved within minutes…

Sincerely,

Jay Gray
Founder Affordable Insurance

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In this I will dispel any misunderstandings of how illiquid annuities are.

As I explained in an earlier message annuities are not recommended as short term savings vehicles. However, other than you taking out more than the annual withdrawl limit or completely liquidating your account for reasons other than those that would not incur a surrender fee, annuities allow you quite a bit of liquidity.

Here are ways some annuities allow you to withdraw money from your account without incurring a surrender charge:

• limit your withdrawl to less than the annual withdrawl limit (usually 10%)
• annuitize your account, which means to convert it from a deferred annuity to an immediate annuity or more specifically choose an income option from your annuity
• become confined to a nursing home
• lose two or more activities of daily activity (adls) these are transferring (sitting to standing, getting in and out of bed), Hygene (bathing, grooming, oral care), Continence, Dressing, Eating (ability to feed self) and Toileting (ability to go to the bathroom on own)
• be diagnosed with a critical illness

Granted most of these are extreme instances but this is your retirement account NOT a Holiday Savings account and you should plan on leaving this money accumulate until retirement UNLESS there something catastrophic occurs. Which most insurance companies recognize and make allowances for.

In the next message I will explain what happens to your annuity if you die. .

In the meantime, if you would like more information regarding annuities or have any questions regarding your retirement savings options feel free to contact me directly at 877-777-7055 or visit our website at www.insr4u.com

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An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500. Indexed annuities are not at all like mutual funds which actually purchase stocks on your behalf and subject your principal value to market risk. In an indexed annuity your principal is NEVER subjected to the fluctuations of the stocks in a fund because you NEVER actually own any stocks. So unlike a mutual fund, you DO NOT lose principal value in an indexed annuity if the stock market goes south.

Without getting too technical, the insurance company pays interest to your account based on the increase in the S&P 500 index, however usually up to a cap. For example some indexed annuities will credit your interest based on the annual growth of the S&P 500 UP TO A CAP of usually 10%. Now that doesn’t sound like a very good deal if the S&P increase 21% in a year. However consider this…. Should the S&P LOSE 15% in a year your loss is ZERO! That’s right S&P 500 loss means no loss of principal value to the indexed annuity client. You wouldn’t be credited any interest that year (some indexed annuities offer minimum interest guarantees regardless of the index performance) but you wouldn’t have the loss that would have been incurred from the mutual fund.

Indexed annuities are excellent way to benefit from the upside of an upswing in the stock market without the downside or market risk because you are not actually INVESTED in the stock market.

So when it comes to retirement savings benefiting from the upside of the stock market, without the market risk, with indexed annuities you can have your cake and eat it too.

To learn more about how you can benefit from having your retirement savings dollars in an indexed annuity feel free to contact me directly for more information or to have any of your questions answered.

In the meantime, if you would like more information regarding annuities or have any questions regarding your retirement savings options feel free to contact me directly at 1-877-777-7055 or visit our website at www.insr4u.com

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First both offer safety of principal in fact they both GUARANTEE your principal. CDs do it via a small reserve requirement of less than 6% and the balance of the guarantee covered by an insurance policy purchased from the FDIC. There is a limit of $250,000 per person per account for the FDIC guarantee.

Annuity principal amount is guaranteed by the insurance company which by law must have $1.03 dollars in liquid reserve for every dollar you have in your account. And there is NO limit on the amount of your principal guaranteed, which could account for more sophisticated and high net worth clients purchasing larger annuities.

Furthermore, it must be said that NO annuity purchaser has EVER lost $1 in principal from the defaulting of an insolvent insurance company. The same CANNOT be said for bank CDs purchasers. There are thousands of bank clients who’ve lost thousands of dollars in savings accounts that were over the FDIC limits when the bank became insolvent. If history is any indication it would appear safety is on the side of the annuity purchaser.

Secondly, the tax deferred growth of an annuity allows more control over when the interest is taxed and allows for you to accrue interest on money that would have been paid in taxes were your money in a CD. And it would allow for a greater long term rate of return. The advantage is clearly on the annuity’s side here.

Thirdly, although you incur an initial surrender fee schedule with an annuity. It decreases each year and eventually disappears completely. After the maturity date of the CD you are forced to repurchase another CD or renew it, initiating a NEW early withdrawal penalty. Therefore in essence the early withdrawal penalty for CDs will NEVER end. The advantage for this comparison again goes to the annuity.

Finally, the annuity is the only retirement savings vehicle that can guarantee an income that you cannot outlive. Banks don’t even try to compare this feature when trying to match CDs up to annuities.

So to dispell misconception number 6 regarding annuities: CDs are NOT better retirement savings vehicles than annuities

If you would like more information regarding annuities or have any questions regarding your retirement savings options feel free to contact me directly at 1-877-777-7055 or visit my website at www.insr4u.com

Jay Gray
Founder Affordable Insurance

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Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients.

An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500. Indexed annuities are not at all like mutual funds which actually purchase stocks on your behalf and subject your principal value to market risk. In an indexed annuity your principal is NEVER subjected to the fluctuations of the stocks in a fund because you NEVER actually own any stocks. So unlike a mutual fund, you DO NOT lose principal value in an indexed annuity if the stock market goes south.

Without getting too technical, the insurance company pays interest to your account based on the increase in the S&P 500 index, however usually up to a cap. For example some indexed annuities will credit your interest based on the annual growth of the S&P 500 UP TO A CAP of usually 10%. Now that doesn’t sound like a very good deal if the S&P increase 21% in a year. However consider this…. Should the S&P LOSE 15% in a year your loss is ZERO! That’s right S&P 500 loss means no loss of principal value to the indexed annuity client. You wouldn’t be credited any interest that year (some indexed annuities offer minimum interest guarantees regardless of the index performance) but you wouldn’t have the loss that would have been incurred from the mutual fund.

Indexed annuities are excellent way to benefit from the upside of an upswing in the stock market without the downside or market risk because you are not actually INVESTED in the stock market.

So when it comes to retirement savings benefiting from the upside of the stock market, without the market risk, with indexed annuities you can have your cake and eat it too.

To learn more about how you can benefit from having your retirement savings dollars in an indexed annuity feel free to contact me directly at 1-877-777-7055 for more information or to have any of your questions answered.

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