Money Hungry "Bonus"... to possibly make up for lost ground?

Menu Item #3: Bonus Interest Appetite:  BIG Bonus For MONEY HUNGRY Investors

This product entry offers a nice interest “bonus” of 10%, credited up front FOR ALL PREMIUM RECEIVED the first 5 years! Product offers two indexed strategies in both S&P 500 and NASDAQ 100 and a fixed account option too! And a fixed interest rate option.  It is a hybrid for sure! With the full bonus option (10%), first year guaranteed return is currently 13.58% if the fixed interest option is taken!!!

Key Benefits: 

• Equity Indexing with Bonus!  Gains upside potential as high as 100% re-allowance of all equity index gains, subject to a cap. . (Dividend re-investments do not take place in an indexed account, and do increase yields in regular security accounts. However, they can't stop loss of equity of both earnings and principal invested.) 
    
• For longer terms, the bonus range is from 5% to 10% on ALL money invested for the first 5 years!  It is important to understand that though the bonus money is always posted AT THE BEGINNING of the contract year, it is a restricted amount and counts toward an eventual "annuitization" to later pay income back to the contract holder. With proper planning, all bonus money can be fully utilized in most cases, other than outright surrender that puts usage at extreme jeopardy! Also, contract has a monthly Point to point index crediting method, that also resets every year to lock in gains.
    
• Low maintenance type investment product. Very little attention is required to product details during the investment term chosen, which can be renewed as desired.  However, annual reselection of multiple index or fixed interest options is required to obtain the best investment result.

Description:

This Fixed Index Annuity or FIA product entry again fits the STOCK MARKET investor who has decided that losing any more money in the market is never going to happen again! And, maybe that same investor wants some "Bonus" money to pay him or her for taking money out of another investment that may cost a surrender charge or termination fee.  Or, just wants to make up for loss's in past open ended stock market participation. Or try to enhance future retirement income needs.

Terms and Conditions:

Company allows 10% free withdrawals up to 50% of purchase price and is accumulative, so you don't lose the right to withdraw more in the future. To afford the bonus, additional withdrawals are subject to surrender charges for the first 5 years. Interest only or interest and principal may be withdrawn over a minimum 10 year period without surrender charges. Minimum is just $5,000 for NQ and $2,000 for qualified plans. Flexible premium. Current Cap Rate is between 2.60% and 3.30% per month, depending on contract term. No spread or other fees. Death benefit allows full annuitization value at death, unless 10% bonus taken.  Then restricted to 5 years of payout. Nursing home riders allows additional benefits for qualified cases.

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.  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 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 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, you should disregard this site and any of it's options at this time, other than a request for a licensed agent in your applicable state.  That request may be filled by FSI if possible, or FSI may decide to license specifically in your state of residence in order to provide any services you may be requesting of us.