Secure Retirement Account
Planning for a stable future for your family
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Enjoy Lifetime Income
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Receive Transfer Bonuses On Your Entire Account
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Benefit From Market Gains
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No Caps or Fees
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Protection From Market Losses
Personalized and comprehensive coverage tailored to you from America's top insurance companies in the country.
Understanding Secure Retirement
The Secure & Guaranteed Retirement Account is rapidly becoming a leading tool in retirement planning. If you're approaching or already in retirement, protecting against market downturns is crucial. These accounts are crafted to prevent losses while still allowing you to benefit from market gains.
Six Benefits Of Choosing a Secure Retirement Account
Enjoy Tax-Deferred Growth
Create A Legacy
Secure Guaranteed Income
Safeguard Your Principal
Build Retirement Savings
Gain Flexibility
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How Are Secure Retirement Account Rates Determined?
A major factor affecting rates is the current interest rate environment. Typically, rates are higher when interest rates are high because insurance companies can earn more on the deposits they receive.​
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Understanding the rate of return for this type of account is key when choosing a product. Rates are generally influenced by factors such as the account holder's age and the desired payout period.
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Conversely, when interest rates are low, your account rates might also be lower. Given the complexity of these factors, it's important to thoroughly evaluate all elements before making a decision.
How Do Secure Retirement Accounts Operate?
To grasp how these accounts function, it's helpful to examine their two main phases:​​
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The accumulation phase
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The distribution phase
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Accumulation Phrase: In the accumulation phase, you deposit funds into your account, either as a lump sum or through regular contributions. The insurance company invests these funds, enabling your money to grow over time. A key benefit of this account is its tax-deferred status, which means you won't pay taxes on the earnings until you begin withdrawing the funds.
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Distribution Phrase: When you enter the distribution phase, you can choose from various payment options. You may select a fixed payment amount for a set period, opt for variable payments based on market performance, or choose a lifetime income option that ensures payments for the rest of your life.
Exploring Different Types of Secure Retirement Accounts
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Multi-Year Guaranteed Account​
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Traditional Fixed Account
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Fixed Indexed Account
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These accounts offer distinctive advantages for retirement planning. They provide tax-deferred growth, allowing you to delay paying taxes on earnings until withdrawal. Additionally, Secure Retirement Accounts can be tailored to your needs, offering flexible payout options and death benefits for your beneficiaries. How your earnings are taxed will ultimately depend on the source of funds used to open the account.​​
Essential Features of a Secure Retirement Account
Riders: You can enhance your policy with various riders, such as lifetime income or long-term care coverage.
Market Risk: When the market rises, your account grows with it. However, if the market declines, your account will never lose value.​
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Death Benefit: The amount your beneficiaries will receive when the insured passes away.
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Fees: Some accounts come with no fees, saving you potentially thousands of dollars over the course of your retirement.
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Bonuses: Many accounts offer transfer bonuses, instantly crediting up to 15% to your account.