BalancedAllocation Annuity®
A generation ago, those Americans that were able to retire generally relied upon a pension, social security and some personal savings to make it through a retirement that may have lasted only about 10 years.
Since then, planning for retirement has become substantially more complicated. Out of necessity, Americans have been forced to become increasingly responsible for their own retirement income as pensions and lifetime healthcare coverage have, in many instances, become things of the past. Further, longevity has become a significant issue. Medical advances and healthier lifestyles mean that Americans are living longer than ever before. In fact, according to the U.S. Census Bureau, people age 85 and older are the fastest growing segment of the population.
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CD Model
Brookstone Capital Management provides FDIC-insured bank CDs that seek higher returns than traditional CDs by utilizing a marketlinked component. Brookstone’s strategy can be characterized by the following:
- Provide full principal protection up to FDIC limits of $250,000 per account per bank.
- Offer market upside participation with no downside risk.
- Regular liquidity events so that investors can access some of their money each year.
- Diversified exposure to a variety of asset classes, tactically determined each month, including domestic equities, international equities, commodities and any number of other asset classes or sectors.
- All CDs are conveniently purchased in your TD Ameritrade account and are eligible for IRA and non-qualified accounts.
CD Model FAQ
What is a structured CD?
A structured CD is a fixed-term investment which offers market-linked interest with the benefit of full capital protection. Products are often linked to indices such as the S&P 500 or a basket of indices and offer returns based on their performance. The capital protection feature seeks to preserve investors’ original investment in the event of the market falling. Individual CDs have terms that vary month to month.
Family of Funds – At A Glance
Lincoln MoneyGuard® Reserve Plus
Think about the reasons why you’d want to plan ahead for long-term care expenses. You probably want to protect yourself and loved ones from having to make the difficult choices or rush decisions that individuals face when they haven’t prepared. You may have expectations for your retirement lifestyle or the size of the legacy you’d like to pass along to the next generation. But what if you needed long-term care? Will the savings you’ve intended to cover expenses be sufficient, or will you need to spend down retirement or estate assets?
Mutual Care® Plus Long-Term Care Insurance
There’s No Place Like Home
Did you know a long-term care insurance policy actually may help keep you out of a nursing home? That’s because long-term care insurance allows you to get the care you need right in your own home.
Home Care Benefits
Your long-term care insurance policy provides a variety of benefits that can help you remain at home, including personal care services to assist you with the activities of daily living, homemaker services to help with grocery shopping, meal preparation and housekeeping and professional services of a registered nurse, home health aid or therapist. Your policy also pays benefits for adult day-care services.
Indexed Annuities with the Annual Reset Design
This history of American Equity’s Index-5 Indexed Annuity demonstrates the powerful benefits of Indexed Annuities with the annual reset interest crediting design. All of our current products of fer annual reset design as well. The Index-5 did exactly what it was supposed to do… gave the Contract Owner the opportunity to accumulate value based on the appreciation of the S&P 500® Index, without the risk of loss of Premium in years when the S&P 500® was negative. All of this supported by a Minimum Guarantee.
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