A 65-year-old man today can expect to live to 84; a woman will typically live to 86. One out of four 65-year-olds will live past 90 and one in 10 will live to at least 95. With good planning, these could be the best years of a person’s life.
If you want to learn how to help your retirement strategy supplement your retirement income, you may want to think about protecting your income with an annuity.
Social Security Administration, Calculators: Life Expectancy, 2019
IMPORTANT INFORMATION
*Source: Morningstar, Inc, as of December 2018 The Transamerica Advisory Annuity has an average expense ratio of 0.52% versus the annuity industry average of 2.24% excludes fee for optional riders. Actual expense ratios for the Transamerica Advisory Annuity range from 0.39% to 0.93% depending on the investment allocation. The expense ratio includes an administrative fee of 0.10% and a mortality and expense risk fee of 0.17% The expense ratio excludes additional fees that would apply if the Return of Premium death benefit rider is elected. The mortality and expense risk fee for Return of Premium is 0.37%. In addition, contracts with balances under $25,000 are subject to a $25 annual maintenance fee.
IMPORTANT INFORMATION
FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in financial market indexes. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the company will declare an interest rate greater than the guaranteed minimum effective interest rate.
All guarantees are based on the claims paying ability of the issuing insurance company.
Annuities are long-term investments designed to help your retirement in two vital phases: accumulation and distribution. It's important to discuss with your financial professional if this is an appropriate option for you. For some, it can work great. For others, it's not the best fit. That's why we encourage you to understand how they work and what your options are.
A variable annuity is a contract between the owner and an insurance company that combines the flexibility and growth potential of professionally managed investment options with tax deferral and insurance company guarantees. This unique combination can be a valuable component of your long-term retirement plan.
They generally offer access to a wide range of professionally managed investment options, including money market, bond, and stock options, as well as diversified investment options managed to meet specific objectives. The variety of available choices allows you to develop an investment strategy tailored to your unique needs. Investment options are subject to market fluctuation, investment risk, and possible loss of principal.
A fixed index annuity (known for its tax-deferred benefits) is a contract between you and an insurance company that provides a guaranteed minimum interest rate, tax-deferred growth, and guaranteed payments through annuitization in retirement. This unique combination of benefits can make fixed index annuities an ideal low-risk component of your long-term retirement plan. Fixed index annuities earn interest, in part, based on changes in a market index, which measures how the market or part of the market performs. All guarantees are based on the claims-paying ability of the issuing insurance company.
The potential for interest credited to the policy is affected by changes in the index over the crediting period and isn’t affected by the index directly. Even though changes in the index affect the index interest credited to the annuity policy, a fixed index annuity is not an investment in the stock market and does not participate in equities, commodities, fixed income, or currencies.
IMPORTANT INFORMATION
A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in financial market indexes. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the company will declare an interest rate greater than the guaranteed minimum effective interest rate.
The withdrawal and growth percentages (if applicable) and living benefit fees may change and the amounts listed herein may not be the most current rates.
The most current percentages and living benefit fees are disclosed in the applicable Rate Sheet Prospectus Supplement, which may be amended by us from time to time. Please contact our administrative office to determine whether the rates have been amended. You should not purchase this living benefit without first obtaining the applicable Rate Sheet Prospectus Supplement.The withdrawal base does not establish or guarantee policy value, surrender value, minimum death benefit, or return for an investment option.
IMPORTANT INFORMATION
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
All policies, living benefits, and forms may vary by state, and may not be available in all states. ICC18 TRGL12IC-0318(IS), ICC18 TRGL12IC-0318(IJ), ICC18 TRGL12IC-0318(AS), ICC18 TRGL12IC-0318(AJ), ICC19 TRGL13IC-R0719(IS), ICC18 TRGL13IC-0318(IJ), ICC19 TRGL13IC-R0719(AS), ICC18 TRGL13IC-0318(AJ), TRGL10FL-0318(IS)-Rev0119, TRGL11FL-R0719(IS) other versions are available, FRGL10NY-0318(IS)-Rev0119, FRGL10NY-0318(IJ)-Rev0119, FRGL10NY-0318(AS)-Rev0119, FRGL10NY-0318(AJ)-Rev0119, ICC18 TRGL18IC-0318(IS), ICC18 TRGL18IC-0318(IJ), TRGL18FL-0318(IS), TRGL18FL-0318(IJ), FRGL18NY-0318(IS)-Rev0119, FRGL18NY-0318(IJ)-Rev0119, ICC18 TRGL16IC-0318(IS), ICC18 TRGL16IC-0318(IJ), TRGL16FL-0318(IS), TRGL16FL-0318(IJ), FRGL16NY-0318(IS), FRGL16NY-0318(IJ), ICC19 TRGL22IC-R0319(IS), ICC19 TRGL22IC-R0319(IJ), TRGL22FL-R0319(IS), TRGL22FL-R0319(IJ), FRGL22NY-R0319(IS), FRGL22NY-R0319(IJ), ICC12 RTP170513 and RTP 17 0103
IMPORTANT INFORMATION
A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in financial market indexes. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the company will declare an interest rate greater than the guaranteed minimum effective interest rate.
All guarantees are based on the claims paying ability of the issuing insurance company.