For most investors the idea of reaching retirement and losing half of our life savings to market crashes or lawsuit is horrifying. In the “Crash of 2000” the stock market plunged over 50%. In the “Crash of 2007” the stock market plunged over 54%. Many of the most popular mutual funds plunged even more. The Tech Heavy Nasdaq plunged over 70% at the same time. This includes AAPL, GOOG, AMZN, PPAY, FB and the other largest tech companies in the US.

We have Homeowners insurance to protect against the possible loss due to theft, fire, hurricane, flood and other catastrophes. We have health insurance (or Medicare) to protect us against catastrophic losses due to health issues. We have auto insurance to protect against damages, or liabilities of lawsuit in an accident.

But, do you have insurance to guarantee and lock-in your retirement income, and ratchet your income higher, as the stock markets, and your portfolio move higher and higher?

Do your investments guarantee to lock-in your gains periodically for income purposes, at lease annually for most Fixed Indexed Annuities, while various Variable Annuities offer optional benefits including locking-in, or ratcheting your investment gains at least annually, quarterly, monthly and even daily?

Do your investments guarantee that even in “Down Markets” they will increase your future income at a minimum percentage such as 5, 6, 7, even 8% annually (depending of specific carriers)?

Annuities whether Fixed, Variable or Immediate offer attractive options such as Guaranteed Income for Life, and your spouse's life, and Guaranteed Growth of your Future Income regardless of stock market volatility. For the latest LIMRA comparison of all annuities please contact our office.