Is Your Current Retirement Strategy Still Appropriate for Your Goals?
If you already own an annuity, it may be worth taking a fresh look at how it fits within your broader retirement strategy.
A qualification call can provide an opportunity to review what you currently have, discuss your objectives, and determine whether a more detailed conversation may be appropriate.
Schedule a Qualification CallEducational information only. The initial conversation does not constitute a recommendation to purchase, replace, or surrender any financial product.
Start With What You Already Own
Your existing annuity is one part of your overall retirement strategy. Understanding how it works and how it fits with your other retirement resources can help provide useful context for future decisions.
Understand Your Current Annuity
Review the basic features of your existing contract, including its purpose, income provisions, and other important terms.
Consider Your Retirement Objectives
Consider how your current strategy relates to the retirement income, growth, liquidity, and other objectives that matter to you.
Explore Your Options
A broader review may help identify questions worth discussing before making any changes to an existing financial strategy.
The goal isn't to change what you have. It's to understand how your current strategy fits your circumstances today.
Does Your Current Strategy Still Reflect Your Priorities?
Retirement needs and circumstances can change over time. A periodic review can help you better understand whether your existing strategy continues to align with what you are trying to accomplish.
How is your annuity intended to support your retirement?
Understanding the role your annuity plays can provide important context when looking at your overall retirement strategy.
Has anything changed since you purchased it?
Changes in income needs, financial circumstances, time horizon, or other priorities may be worth discussing as part of a review.
How does it fit with your other retirement resources?
Looking at the broader picture can help put your existing annuity in context with other sources of retirement income and assets.
Are there questions about the contract you still have?
A conversation can be an opportunity to identify questions about features, benefits, costs, or other terms that may warrant closer attention.
Start With a Conversation
Bring your questions and learn more about what a retirement strategy review may involve.
Schedule a Qualification CallIncome and Growth Can Serve Different Purposes
When reviewing an existing annuity, it can be helpful to understand what role it is intended to play within your broader retirement strategy.
Retirement Income
Some retirement strategies place an emphasis on creating income that can help address ongoing retirement expenses. An annuity may have features designed for income, depending on the contract and how it is structured.
Growth Potential
Other retirement assets may be positioned with different objectives, including the potential for long-term growth. These approaches can involve investment risk and market fluctuations.
It's About the Role Each Part Plays
Your retirement strategy may include different types of assets and income sources, each serving a different purpose. Understanding those roles can provide useful context before considering whether any changes may be appropriate.
Understanding the Details of Your Annuity
Annuity contracts can contain a variety of features, provisions, and limitations. Understanding the details can help put your existing contract in context as part of your overall retirement strategy.
Income Provisions
Understand how the contract addresses income and what provisions may apply based on the terms of the contract.
Contract Charges
Review applicable fees, charges, and other costs associated with the contract.
Surrender Provisions
Understand whether surrender periods, charges, or other withdrawal provisions apply to your existing contract.
Liquidity & Access
Consider the provisions that may affect how and when you can access funds under the terms of the contract.
Guarantees & Benefits
Identify applicable contractual guarantees and benefits and understand the conditions associated with them.
How It Fits Your Plan
Consider how the annuity fits alongside your other retirement assets, income sources, and current objectives.
A Conversation Focused on Your Retirement Strategy
The qualification call is an opportunity to briefly discuss your current situation, your retirement priorities, and what you would like to better understand.
Tell Us About Your Situation
Share some basic information about your existing annuity and your broader retirement planning needs.
Discuss Your Priorities
Talk through the retirement income, growth, liquidity, or other objectives that are important to you.
Determine the Next Step
If appropriate, you can discuss whether a more detailed review or follow-up conversation makes sense.
No obligation. The initial conversation is intended to help determine whether a further discussion may be appropriate.
Have Questions About Your Existing Annuity?
A conversation can help you better understand your current strategy and determine whether a more detailed discussion may be appropriate.
Schedule a Qualification CallEducational information only. This material is not intended to provide individualized investment, insurance, tax, or legal advice. Any recommendation would depend on your individual circumstances and the information available at the time of review.