Multiple Benefits In One Product

**Financial Oversight: Neglecting Fixed Annuities with Enhanced Death Benefits or Long-Term Care Options for Increased Protection**

**Multi-Faceted Benefits within a Single Product**

Fixed indexed annuities typically share several key characteristics, such as the potential for earnings combined with safety. However, certain annuities offer additional features that can cater to specific retirement needs. Below are common attributes of most fixed indexed annuities, along with optional benefits available with select products:*

**Standard Offerings of Most Fixed Indexed Annuities:**

1. **Income Tax Deferral:** Enjoy tax deferral on earnings, even for non-IRA funds, without contribution limits applicable to non-IRAs.

2. **Penalty-Free Access:** Typically allows for 10% penalty-free withdrawals annually after the first contract year, with further liquidity options available, such as during nursing home confinement.

3. **Access Upon Death:** Penalty-free withdrawals are permitted in the event of the contract holder’s death.

4. **Safety Alongside Earning Potential:** These products provide both security and the opportunity for growth.

**Additional Options in Certain Fixed Indexed Annuities:**

1. **Enhanced Death Benefits:** Beneficiaries can opt for a potentially higher death benefit than the contract’s cash value, enhancing the legacy for family members or charitable organizations.

2. **Guaranteed Lifetime Income:** Many fixed indexed annuities can assure a lifetime income stream for you, your spouse, or both—even if the contract’s cash value has been exhausted. Some providers also offer escalating payment options to help combat inflation (refer to Guaranteed Growth and Lifetime Withdrawal Basics).

3. **Enhanced Long-Term Care Benefits:** Depending on the contract specifics, some annuities can double or increase the income payments for a designated period following a qualifying long-term care event. Other options may include additional long-term care benefits once the contract’s cash value is depleted.

Some fixed annuities provide exceptional benefits, including options for long-term care and increased death benefits to enhance your legacy. We encourage you to explore these opportunities today.

For a complimentary financial review, please click here to connect with a Future Benefits Agent or call us at 901-754-2040.

*This section outlines general information regarding the features and benefits of select fixed annuities, which may differ by contract. For specific details, please consult your agent and the relevant company materials. **Please note, we are not tax advisors and do not provide tax advice. Distributions from traditional IRAs before age 59½ are subject to ordinary income tax and may incur a 10% federal tax penalty from the IRS.

See our Professional Disclaimer for more information.