CD, IRA, MUTUAL FUNDS AND FIXED ANNUITY ALTERNATIVES

Tired of losing money with the ups and downs of the stock market?
Tired of low interest rate CDs, IRAs, Fixed Annuities?
Would you like to have higher returns but with guarantees?

Everyone wants a higher return, but higher returns usually brings with it high risk and no guarantees. When your savings and retirement funds are involved, that's a difficult choice. It is time for your money to work harder and do more. You want peace of mind knowing your money is safe and will be there when you need it most.

There is now a choice. An “Equity-Indexed Annuity Certificate” locks in stock market gains when the market is rising, but also protects your investment against any losses when the market is falling. That's right; your policy value is never reduced because of negative stock market performance. With an Equity-Indexed Annuity, your return is tied to the increase in one of several stock market indexes, such as the S&P 500. However, if the stock market goes down, you do not lose any of your money.

In fact, most Equity-Indexed Annuities will even GUARANTEE you a minimum annual return (typically 3%). Even if the index you invested in goes down the entire time you are invested.

Also, with an Equity Index Annuity you can receive:
-Higher returns but with minimum guarantees.
-Guaranteed 12 to 60 month yields.
-Lifetime interest rate guarantees.
-Guaranteed growth.
-Safety of principal.
-Monthly income.
-Penalty free withdraws.
-Tax favored growth.

Do you want to leave more money to your spouse, children or grandchildren? You can now upgrade your current investment and spend all of your money over your lifetime PLUS still leave it all to your family TAX FREE. This simple, safe and secure investment guarantees a competitive fixed interest rate return that is tax-deferred. Additionally, it provides a benefit that allows an additional amount of up to 100% of your money to be transferred to heirs tax-free.

Many people want to move their money to a better investment or upgrade their interest rate but still have months or years of penalties or surrender charges left. There are certain companies that will pay you up to 10% extra of your principal to move your money now. You can use this 10% to reimburse any penalties or surrender charges or help you recover up to 10% of any lost principal. You can also use this bonus to increase the amount of your savings by up to 10%.

For complete details or if you would like to learn more about any of these alternatives and how they can benefit you, please call us at (877) 208-4308.

Is your IRA or ANNUITY creating a Tax Time-Bomb?

As your account values grow in your IRA or annuity, you are increasing the taxable amount or gain due in the future when you either need income, or upon your death. According to the Tax Code, all gains in an annuity contract or amounts in an IRA are taxable upon redemption or death.

Due to a little known provision in the Tax Code, an annuity or IRA owner can change the character of future accumulations to provide tax-free income and a tax-free benefit to their heirs and still have safety of principal and avoid probate. Unfortunately, the gains or amount you have accumulated to date in your annuity or IRA cannot avoid income taxation. However, you may want to consider changing the nature of the accumulation to a tax-free status before the problem gets worse.

For complete details or to see if you qualify, please call us at (877) 208-4308.

Are you receiving monthly taxable interest on your CD or ANNUITY?

Many CD and Annuity Owners are receiving a monthly check of the interest being earned on their CD or Annuity. In most cases this is 100% reportable as income and subject to personal income taxes. The solution to reduce your tax liability is to use a Split Annuity funding strategy. A Split Annuity is not an annuity policy but a combination of two annuity products. An immediate annuity and a single premium annuity structured in such a way as to produce immediate tax-advantaged income for a guaranteed period of time and to restore your original principal at the end of that time period. By doing this, up to 85% of your monthly income payments would then be Tax-Free. This can provide you with a safe, predictable, and guaranteed monthly income.

For complete details to learn more about Split Annuities and how they can benefit you, please call us at (877) 208-4308.

Is your savings protected from being taken by Medicaid?

What would you do if you, your spouse, or a parent had to enter a long-term nursing facility? How would you pay this expense? Most Americans assume that Medicare will pay for an extended nursing home stay. This is completely wrong. If you have any assets, such as bank CDs, annuities, stocks, bonds, you may be held responsible for paying this expense. With the average yearly cost being $40,000 how long could you make such payments?

Can you do anything to prevent this from happening? The answer is yes. Proper planning done on a timely basis is absolutely critical.

We are NIIC. A 15 year old full service Insurance and Financial Services agency. Our corporate office is located in Clearwater, Florida with offices and agents nationwide. We offer a complete line of insurance and financial products. We represent over 20 large insurance companies.

There is never any cost or obligation for our services. We do not engage in any high pressure sales tactics and we do not make any recommendations that are not in our clients best interest. We look forward to providing you with excellent service.