A Flexible New Approach with Transamerica

February 28 2019

by Connor Wilson - Sales Specialist

Growth, Protection and Income – Transamerica Secure Retirement Index II

It’s Time to Break With Tradition….

PREPARING FOR RETIREMENT IS NEVER GOING TO BE THE SAME

Preparing for retirement doesn’t have to be a challenge. Even with low interest rates, potential market downturns and a retirement that could last 30 years or more, there are options that can help. One solution includes the opportunity for greater interest earnings potential than traditional conservative products while protecting the money you’ve worked so hard to earn.

TIMES HAVE CHANGED

It used to be that as retirement approached, we would shift assets to more conservative products to help reduce risk. Now, interest rates have been so low for so long, we may forget how fixed income historically could fund an active retirement lifestyle.

If you want more than traditional options for retirement, you may be looking for new alternatives offering protection for a portion of your retirement savings, a way to continue to accumulate assets and a source of retirement income that you can’t outlive. A new opportunity to help protect and grow a portion of your retirement savings is here. Introducing the Transamerica Secure Retirement Index® II Annuity.

FACE RETIREMENT WITH MORE CONFIDENCE

The Transamerica Secure Retirement Index® II Annuity may help you retire with greater confidence and offers the unique combination of benefits that only a fixed index annuity provides, including:

The premium enhancement is not intended to reimburse surrender charges on an annuity replacement.

PROTECT AND GROW

Index Accounts protect your Policy Value from negative market performance and offer growth potential by locking in interest earnings based in part on the positive movement of an index. Any index growth that will be locked-in to your Policy Value at the end of each Crediting Period is subject to the Participation Rate and Spread.

SECURE A SOURCE OF GUARANTEED LIFETIME INCOME

Today’s retirees are expected to live longer than any generation in history. Create a pension-like stream of income for all the years you have ahead of you with the Transamerica Income Plus® living benefit. This optional benefit is available for an additional annual cost and provides:

GROW YOUR FUTURE RETIREMENT INCOME

Transamerica Income Plus® guarantees that your future income will grow at a minimum 10% simple interest during the first 10 years when no withdrawals are taken. The graph and table below show how your future retirement income grows and how you can determine your guaranteed lifetime income.

For further questions or to learn how to incorporate this product into your clients next portfolio get in touch with your CreativeOne team today at 800.992.2642

*All contract guarantees described in this post are based on the claims-paying ability of Transamerica Life Insurance Company, Cedar Rapids, Iowa.

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact a financial professional.

A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed 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.

A FIXED INDEX ANNUITY is a contract issued by an insurance company. Transamerica Secure Retirement Index® II is a modified flexible premium annuity that allows additional premium payments during the first year of your contract.
Allocations to an index account are not an investment in the stock market or indexes, nor do they participate directly in any equities, commodities, fixed income or currencies. It is not possible to invest directly in an index

 

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact a financial professional.
All guarantees are subject to the claims-paying ability of the issuing company.
Transamerica Secure Retirement Index® II Annuity and optional Transamerica Income Plus® living benefit are issued by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Not available in New York or Montana. Living benefit is referred to as rider in the contract.
This document highlights features of the fixed index annuity and the optional living benefit rider. Additional product details can be found in the Statement of Understanding. Please read carefully.
Some product features may be subject to firm approval and availability.
Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding an IRA with an annuity. Consider the other benefits provided by an annuity, such as lifetime income and a death benefit. Neither Transamerica, nor any of its affiliates, provide tax or legal advice. You may want to consult a tax or legal advisor before making your final purchase decision.
Neither Transamerica, nor any of its affiliates, are affiliated with Annexus or its affiliates.
Same sex couples have the right to marry in all states. The parties to each marriage that is valid under the law of any state will each be treated as a spouse as defined in this policy. Individuals in other arrangements, such as civil unions, registered domestic partnerships, or other similar arrangements, that are treated as spouses under the applicable state law, will each be treated as a spouse as defined in this policy for state law purposes. However, individuals in other arrangements, such as civil unions, registered domestic partnerships, or other similar arrangements, that are not recognized as marriage under the relevant state law, will not be treated as married or as spouses as defined in this policy for federal tax purposes. Therefore, exercise of the spousal continuation provisions of this policy or any riders by individuals who do not meet the definition of “spouse” may have adverse tax consequences and/or may not be permissible. Please consult a tax adviser for more information on this subject.
All policies, living benefits, and forms may vary by state, and may not be available in all states: ICC14 FIA0214, NIC14 FIA0214(FL), ICC14 RGMB470214(IS), ICC14 RGMB470214(IJ), NIC14 RGMB470214 (IS) (FL), NIC14 RGMB470214 (IJ)(FL), ICC14 RDR50214. Transamerica® is a registered service mark of Transamerica Corporation and affiliated companies, including Transamerica Life Insurance Company (together, Transamerica).
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