Stockbroker Replacement Product: An Investor Favorite!

Menu Item #2: Equity Indexed Appetite:  Stock Market Potential with NO losses.  Even pays you if the market goes DOWN!!!

Yes, you can FIRE YOUR STOCKBROKER with this annuity menu entry! This product should fit the needs of almost every current stock/bond/mutual fund investor out there! What it offers, is a chance to use a mix of some of the most productive and trusted stock market index's available both here and around the world, yet control risk by receiving a guarantee that all investment principal will be returned by the end of the term of the contract, along with a GUARANTEED GAIN...no matter what!  Projections, based on past performance, are extremely encouraging for this new product to break away from the norm and produce abov average returns with no down side risk.  In fact, if the market goes down, it is almost impossible for your account not to still receive some interest crediting on down years.

For a reminder of how a good stock indexed account can perform, take a quick look at why even Superman may not be able to beat one of the multiple index's in this product:  CLICK HERE. 

Every self proclaimed investment guru out there is trying to beat an index of some type, and most fail trying.  Since this product covers multiple index's that have been the best producers in the past, why not fire your stockbroker and do it yourself?

Terms are a flat 10 years on this product.  If you can't commit your investment capital for that time period, then this product is not for you.  However, a fancy little feature does allow 10 % free withdrawals per year, including the very day after your contract is issued by the carrier.  So the liquidity factor is mitigated some to allow partial liquidity each year without incurring surrender charges.

The product pays out two "point to point" gains payments into your account every 5 years.  Though this is currently a 100 % re-allowance of all gains guaranteed the first 5 years from the multiple index, the second term of this product (2nd 5 year period) has a lower guaranteed point to point payout of interest earnings and may or may not continue to post the same re-allowance in the second 1/2 of the contract term.  Of course, this information is fully disclosed along with all other terms, if you order the product brochure.  (Which you should!)  Like many FIA products, benefits increase as the term period increases and the full payout of the contract takes place at the end of the 10 year term when the second point to point payout is posted to your account.  If you don't surrender or do a tax-free transfer at that time, all funds will grow at a fixed interest (non indexed) rate thereafter.  However, the carrier allows for you to repurchase a new contract at that time to avoid any taxation, should you desire to invest for one more 10 year period.  This might be for you to reach your ideal age for retirement, or to just hide the earnings longer (legally of course) from the IRS since the income is all tax-deferred until you feel like requesting money out of the contract.   

Key Benefits for all terms:

• Equity gains with upside potential as high as 100% re-allowance of all equity index gains. (Dividend re-investments do not take place in an indexed account, and do increase yields in regular security accounts. However, keep in mind that NO ONE can stop loss of equity of both earnings and principal invested in regular securities accounts). 
    
• Worst case scenario is that you will have a "slight" positive return in a prolonged market slide, a feature that did not exist in the FIA world until this product came out in June, 2008!
    
• Low maintenance type investment product. Very little attention is required to product details during the investment term, or upon renewal.  

Description:

This Fixed Index Annuity or FIA product entry fits the STOCK MARKET investor who has decided that losing any more money in the market is never going to happen again! And, who wants to be paid something -- even if the market goes down!

Terms and Conditions:

Term limits are only ten (10) years. Therefore, this product is best for accumulation strategies, not income scenarios. Participation Rate:  100% first five years.  Minimum $10,000 all plans. Original principal and small interest rate guaranteed at maturity no matter what! And, no caps, spreads or fees! Free 10% withdrawals each year, including year of initial contract.

Of course, for safety sake, this product is from a top money “chef” insurance carrier, rated "A" with the A.M. Best company, the most prestigious insurance rating firm in the world, in our opinion.

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Disclaimer:  Rates and terms change often.  Also, company ratings can change overnight without warning as well.  This site is updated whenever a product changes, or the interest rates change, or a carrier rating changes.  Call or E-mail us to be sure the most current rates and terms can be quoted to you, especially if you feel you are ready to make an investment choice.  Any indexed method or insurance rating firm information stated herein is the exclusive property of the respective companies. We are not affiliated with any indexing method, directly or indirectly.  We do contract with the insurance companies that have products profiled on this website, or in our printed sales literature.  This site is for advertising purposes only and does not intend to imply or attempt to give any investment advisory advise, securities recommendations, or legal advice.  It should not be inferred or construed that all the terms and conditions of any one product we may offer to our clientele can be covered in this advertising manner.  Only proper state specific insurance carrier sales literature and disclosure forms can do that and should be relied on as the ONLY source to make an investment decision on.   Proper licenses in the state of Arizona are held by the company, Financial Strategies, Inc., and any associates, to provide insurance carrier annuity contracts to those who request them from this advertising. Additional information and/or discussion is required to place your order for any product referenced herein, obviously including proper disclosure of the actual carrier and in giving you the legally approved sales literature for any option you request additional information on. If you are not a resident of Arizona, your request will be handled by our firm if we are licensed (or decide to license) in your state.  Otherwise, your request will be forwarded to an associated firm that does business in your state so that your sales literature request can be fulfilled. In cases where the product you request more information is either not approved yet, or not available in your state or where we can not refer your request to another firm, an email communicating the actual carrier and product name will still be sent to your email address so you can follow-up as you desire on your own.  This disclaimer and the page contents was last updated on 7/24/08.