2 years ago

AGENTS: $500,000 Premium | 5 Year Combo/Split Annuity | Non-Qualified
SPIA - Immediate Annuity Premium = $117,432.82
MYGA - Multi Year Guarantee Premium = $382,567.18

SPIA Income= $2,160.40 monthly for 60 months (90.59% Exclusion Ratio)
MYGA Interest Rate = 5.50% for 5 years

After 5 Years:
Immediate Annuity paid out $129,624.00
MYG Annuity has grown back to $500,0000

Be Aware:
MYGA is a recurring surrender charge with a 30 day exit window.
Not available in all states!
Rates as of 8-22-2023 and subject to change.

Rates subject to change! Withdrawals may be subject to ordinary income taxes and, if prior to age 59½, may be subject to a 10% IRS penalty;
Surrender charges may also apply. All guarantees are backed by the claims-paying ability of the issuer. Available in jurisdictions where approved.

Secure Your Clients Financial Present and Future with the Power of Split Annuity Strategy!

Are you looking for a reliable financial solution that provides income both now and later? Look no further than the split annuity strategy, a smart choice for your financial planning. By opting for a split annuity, you not only enjoy immediate income but also benefit from guaranteed principal return and tax deferral advantages.

Here's how the split annuity strategy works to maximize your financial gains:

1. Tailored to Your Needs: You begin by determining your desired income duration and then purchase two annuities—a immediate annuity and a deferred annuity.

2. Immediate Income: The immediate annuity starts providing you with regular income payments right away for a designated time period. This ensures that you have a steady stream of income to meet your present financial needs.

3. Future Security: Meanwhile, the deferred annuity grows back to its original premium amount, acting as a secure nest egg for your future. By benefiting from tax deferral, your money has the potential to grow even more over time.

4. Perfectly Aligned Durations: The duration of the immediate annuity matches the duration of the deferred annuity. Whether you prefer monthly, quarterly, semiannual, or annual payments, you have the flexibility to choose the frequency that suits your lifestyle and financial goals.

5. Expertly Determined Split: The division between the two annuities is determined for you, taking into account the duration you select and the current rates. This ensures an optimized allocation that maximizes your financial gains.
Unlock the Power of Two Fixed Annuities:

By embracing the split annuity strategy, you gain access to the exceptional benefits offered by two fixed annuities:

1. Income: a single-premium immediate annuity, you can convert a portion of your premium into a guaranteed stream of predictable, tax-advantaged income payments. Choose from fixed period, single life, and joint payment options to customize your plan according to your unique needs.

2. Accumulation: multi-year rate guarantee periods up to 10 years, a single-premium deferred annuity guarantees your annuity will grow—tax-deferred—to its original premium amount.
Don't miss out on the incredible advantages of the split annuity strategy. Secure your financial present and future with guaranteed income, tax deferral, and the power of two fixed annuities.
Contact me today to explore how this innovative approach can transform your financial journey.

Note that states which charge premium tax, including CA, CO, ME, NV, SD, TX, and WY, will result in a lower monthly income.

SPIA Quoted not approved NY

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IMPORTANT INFORMATIONThis material is for informational or educational purposes & is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial situation, investment objectives, or need of an individual person. Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply. All guarantees are backed by the claims-paying ability of the issuer. Available in jurisdictions where approved.

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