Why should paychecks end with retirement?

Do you want a retirement paycheck?
You have the power to build your own pension! Create a retirement paycheck you can never outlive.

A longevity annuity allows you to exchange a portion of your nest egg for a future guaranteed monthly, quarterly or annual income. You set your plan to start receiving your retirement checks for a specific number of years or for life, starting at a predetermined age in the future.  People use longevity annuities to protect themselves from outliving their nest egg and to reduce some growth pressure on the assets allocated for the beginning years of their retirement.

Today’s annuities provide a lot more flexibility, too. A lot of them allow you to:

  • Access your money.
  • Give yourself a raise.
  • Leave money to loved ones or charity.
  • Make sure lifetime checks continue to your spouse.


How will a longevity annuity work for me?

  • Case Study: Meet Brandon . Age 45, has $100,000 to purchase a longevity annuity. He wants to start receiving his monthly payments at age 65. With his initial investment of $100,000 his guaranteed monthly payments will be $2,312.19 which totals an annual income of $27,746.28.
  • Case Study: Meet John . Age 75, has $100,000 to purchase a longevity annuity. He wants to start receiving his monthly payments at age 85. With his initial investment of $100,000 his guaranteed monthly payments will be $3,587.69 which totals an annual income of $43,052.28. 
  • Case Study: Meet Linda . Age 60, has $100,000 to purchase a longevity annuity. She wants to start receiving her monthly payments at age 75. With her initial investment of $100,000 her guaranteed monthly payments will be $2,202.78 which totals an annual income of $26,433.36. 

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A knowledgeable financial advisor can take the fear and mystery out of retirement planning. If you are currently working with a trusted advisor, congratulations; just print this PDF to discuss with your advisor.

 

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