Do you have clients who are looking for an accumulation and/or income solution for their rollover, but today’s market volatility has them leaning into a more conservative risk profile? Given their range of options an annuity may be a good solution to explore.
Risk Profile: Conservative to Moderate
Needs:
- Looking for accumulation and/or income
- Concerned about risk but still looking for an alternative to CD’s or Treasuries
- Use as a source of income “bridge” to avoid taking income from equities-based accounts in years during significant market decline – protection from sequence of return risk.
- Does not want to risk their principal
Potential Solution: Single Premium Fixed Indexed Deferred Annuity (FIDA)
A Fixed Indexed Deferred Annuity, FIDA can offer competitive caps, floors and flexibility. For more information on FIDA from National Life Group, click here.
Risk Profile: Moderate to Moderately Aggressive
Needs:
- Looking for accumulation and/or income
- Willing to accept some risk (including principal loss) for potentially higher return
Potential Solution: Registered Index-Linked Annuity (RILA)
A RILA limits, but doesn’t eliminate, downside risk, and offers growth potential that falls between afixed indexed annuity and a variable annuity.
To view RILAs available to ESI Reps, click here.
TC128692(0922)1