What we learned from the market crash of 2009 is that some sources of your retirement income should be rock solid.

Fixed annuities are insurance contracts that offer you an income stream paid out regularly either for a pre-set timeframe or until your death. It provides you with reduced taxes, stabilized return on your investment and, of course, valuable peace of mind.

Now that we have seen the obvious shortcomings of our 401(k)s and the fact that a fewer number of our employers are offering a company pension plan, it's wise to set up a dependable income stream that will meet your needs no matter how long you live. Indeed, with more people, on average, living longer than their parents, you may be in real danger of running out of money before you die.

A fixed annuity is a product that provides you with a guaranteed income for as long as you live. Fixed Annuities are a great retirement-savings tool: Unlike an IRA or a 401(k), there are no limits to how much you can contribute; your investments grow tax-deferred; and you need not worry that your investment may suddenly drop in value thus reducing your income since your contract guarantees you'll receive monthly payments for the rest of your life.

There are many subtypes of fixed annuities and a large selection of policy options that you can choose to include as part of your contract. Call us now at 800-820-9707 to speak with a specialist to help you navigate your options.

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