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As Social Security becomes increasingly unreliable as the sole source of funding a comfortable retirement, it is necessary to find alternatives.
The impact of inflation and taxes also presents retirement obstacles. Let The Commodore variable annuities from Annuity Investors Life help you complete your retirement planning strategy.
A variable annuity is a financial contract between you and your life insurance company. You put money into an annuity and, in exchange, the company agrees to pay you a future income.
The growth of your money, and therefore your future income, depends on the performance of your selected investment options.
There are some risks including possible loss of principal. However, this long-term vehicle offers many advantages, including tax deferral,1 a death benefit and income you cannot outlive. The Commodore series of variable annuities offers these features and benefits:
- Tax deferral1
- allows assets to grow through the power of compounding in a tax-deferred manner.
- Full spectrum of investment choices - a broad range of portfolio options that offers the selection you need to diversify your savings and meet your investment style.
- Access to your money2 - tax-free transfers among investment options, a free annual withdrawal and a systematic withdrawal program.
- Investment strategies - access to flexible features that allow you to manage your portfolio, protect your principal and enter the market gradually. Features include: Dollar Cost Averaging,3 Automatic Portfolio Rebalancing, Principal Guarantee Option4 and Interest Sweep.
- Protection for your beneficiaries - help protect your loved ones with a guaranteed death benefit.
- Income options - when you're ready to receive your money, you'll have many fixed and/or variable income choices.
- Financial strength - the experience of a solid company.
To determine the variable annuity that best fits your needs, and for complete information including benefits, limitations, reductions or charges, please feel free to e-mail us.
If you are a client interested in purchasing an Annuity Investors Life contract, we will direct you to a registered representative in your area.
Products not available in all states.
1 Tax deferral may be available through a qualified plan without the use of an annuity.
2 Withdrawals are subject to income tax and a 10% federal tax penalty may apply to withdrawals made prior to age 59½.
3 Dollar Cost Averaging does not guarantee a profit nor protect against loss. Investors should consider their ability to continue purchases during low price levels.
4 Guarantees are based on the claims-paying ability of Annuity Investors Life Insurance Company.
Annuities are long-term investments designed for retirement. Investments in variable portfolios are subject to market risks, so upon withdrawal, they may be worth more or less than their original cost. For a prospectus containing more complete information, including charges and expenses, call (800) 789-6771 and read it carefully before investing or sending money.
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