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With many bank rates running at 1% or less, many blue-chip stocks offering a measly dividend of 2%, and government bonds returning about the same or less — how will you generate the income you need to live in retirement?
That is a question millions and millions of Americans like you and me are asking.
Many Americans are choosing to diversify their investments and insurance contracts.
But one thing you should consider is the protection of an annuity with an income rider that can generate up to 30% more income — for life!
You are probably one of many Americans who saved and planned for their retirement.
But how could you have imagined that interest rates would fall so low?
If you are earning on average 1% at the bank — with inflation at almost 3% and taxes taken out of your income to boot — you are actually losing the real value of your money.
Adding to the problem are the gaps in Medicare that have caused the average couple to amass $220,000i in extra medical costs during retirement.
Perhaps the biggest challenge facing retirees is the very fact that so many seniors are living longer than they ever expected.
For example . . . while the average life expectancy for someone entering retirement is currently 84 years of age (as opposed to 81 years of age as many assume), keep in mind that this age is just an average. Over half will live beyond that — some living into their 90s and others even into their 100s.
While living longer is great news, it is also causing thousands to adjust for this unplanned longevity — stretching out their retirement money for an extra 10, 15, and 20 years.ii
In order to come up with the extra money, many retirees are making risky choices.
Many choose to put their hard-earned money at risk in the stock market when they can least afford to do so — just as it reaches its all-time highs.
And remember, over the long term the market simply has not demonstrated the type of returns you need to retire. For example, beginning in 2001 the S&P 500 was 1,320 and at the beginning of 2013 it was 1,426, which means over this 12-year period the S&P rose by an average of less than 1% per year.”iii
Unfortunately, this difficult financial period we are living through may cause many seniors to live out their biggest fear — they WILL run out of money.iv
Here at Crown Atlantic, an insurance agency fully licensed in all 50 states and the District of Columbia, our mission has been to offer sound choices for those seeking to maximize their income during their retirement
We believe we have found a better way to provide protection in retirement.
We offer a contract that protects your principal, guarantees you income for life*, and simultaneously avoids the gamble of putting your money earmarked for retirement at risk in the stock market.
No, you will not have to do a reverse mortgage or downsize your living standards.
You see, a new generation of annuity contracts could help you guarantee your income for the rest of your life, while at the same time allow you to see some benefit from a rising stock market.
Many of these annuity contracts can be offered with income riders that provide a guaranteed roll-up rate, so when you are ready to receive income during or at the end of the roll-up period, they will provide you with a guaranteed income stream that you cannot outlive.
These contracts are gaining major traction right now.
In fact, the Wall Street Journal reported that a record-breaking $33.9 billion went into these special contracts.v
These contracts are called "fixed indexed annuities."
These insurance company contracts allow your money to accumulate savings tax deferred, and allow you to add stability to your finances by crediting additional interest when a market index, like the S&P 500, is successful.**
In addition, your principal (and interest earned in previous years) is protected from losses when the market doesn't do well.
There's a rich history of annuity contracts being used to help people generate a guaranteed income stream.
Annuities date back to ancient Rome, and even played a role in American history when our founding fathers used annuity contracts to help establish lifetime income for our country's soldiers.
Learn more about this valuable contract used by a wide range of people from Ben Franklin to Ben Stein and understand why they put their money in annuities.
Discover how you can put the power of annuity contracts to work for you.
Crown Atlantic can help you find retirement solutions that guarantee and protect your income and minimize your market risk.
Get Crown Atlantic's Free 2015 Retirement Income Guide and you'll discover how to put this powerful tool to work for you.
Crown Atlantic has a nationwide network of independent insurance professionals who can help you with your retirement strategy.
Meet with a Crown Atlantic professional and put together a strategy to ensure you'll never run out of money.
Let Crown Atlantic help you protect your future. Click on the button below or contact us by going online to CrownAtlantic.com or calling 855-386-4552 to speak with a professional annuity agent today!
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Crown Atlantic Insurance, LLC.
2200 NW Corporate Blvd., Suite 403 Boca Raton, FL 33431
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Annuities are long-term insurance contracts designed for retirement. As a result there may be fees or penalties for early withdrawals, including surrender charges, and if taken prior to age 59 1/2, withdrawals may be subject to a 10% federal additional tax.
*Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company; they are not insured by the FDIC.
**A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. The applicable index is a factor that in part determines the interest to be credited.