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Much like an employment paycheck, clients’ retirement income must meet both essential and lifestyle needs. To sustain life in retirement, essential needs — like housing, food and medical care — should be covered first and typically require reliable income.
ForeCertain, a single-premium income annuity, can help clients meet their essential needs by using their savings to purchase a guaranteed income stream. It’s simple and certain. They simply pay one premium and receive income certainty. Nine income options are available to provide single- or joint-life income for lifetime or period-specific needs.
Nine guaranteed income options
Built-in features for flexibility
Optional benefits for customization
Optional benefits have no charge, but election may lower the amount of income provided.
1 Annuity payments can be deferred up to 30 years or the maximum annuity commencement age, whichever is earlier.
2 Not all product features or optional benefits are available with all income options, plan types, or are available in all states or firms.
3 Initial payments will be lower than if option was not elected.
4 If elected, annuity payments would be less than if the option was not elected.
5 Not available in conjunction with QLAC.
Two-Stage Case Study