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Guaranteed Income

A Guaranteed Absolute Return Products (GARP’s) offer a serious alternative for conservative retirees and pre-retirees who do not have sufficient time or assets to gamble with traditional stock and bond strategies...

GARP’s, by definition, may pursue returns independent of a traditional benchmark index like the S&P 500 Index or the Barclays Capital Aggregate Bond Index. A GARP comes with guarantees that allow it to pursue returns without downside risk, such as hedging strategies or using pure gold bullion.

GARP’s focus on positive returns over time periods with no volatility compared with traditional risk oriented investments that offer no performance guarantees.

Some of GARP’s Advantages

Convenient “checkbook” access

Positive returns in flat or declining markets

Minimum growth of 7% on attached, optional guaranteed, lifetime income riders

Flexibility to pursue a combination of guaranteed global investment opportunities

Diversification across newer and alternative asset classes

Progressive no risk management with tools for hedging and to choose which opportunities to pursue.

Innovative and diverse crediting rate strategies offer strong upside potential.

Account Calculations

Illustrations concerning Guaranteed Lifetime Income are available upon request

Features and benefits will vary from product to product. This presentation is for educational purposes only and is not to be construed as an offer to buy or sell any specific product or concept