Beat The Odds: 68% Run Out of Money in Retirement The share of working households that will not have enough money to maintain their pre-retirement standard of living has jumped to 53%. Even more shocking: When you add in required retirement healthcare expenditures, research shows that the percentage of retirees unable to maintain their standard of living could increase another 15%. This means that the typical worker has almost a 68% chance of outliving his or her money in retirement.* But it doesn’t have to happen to you. You can thrive in retirement by making sure you never run out of money. Discover how a fixed-indexed annuity (FIA) can guarantee you an income for life, even if you live to 110!** The interest credited to an FIA is partially determined by the upsides of a market index, but when the market turns down — as it typically does — your premium and any interest credited in previous years can’t suffer because of the index having a bad year! Most recently we’ve seen a few years of growth in the markets, but what’s it going to do next? Think about how you would feel if you just lost 28% of your money as many did in 2002 . . . or 37% of your money in 2008. Fixed indexed annuities are the evolution of a traditional fixed annuity in that they both have a guaranteed minimum interest rate and tax-deferred accumulation. In addition, the indexed annuity adds an interest-crediting method which credits interest to your account when the index to which your annuity is linked does well, while it also safeguards your principal from index declines. The insurance company is taking on all the investment risk, and they guarantee that your principal as well as the interest that was credited in previous years is protected from a market downturn!** Annuities are long-term insurance contracts designed for retirement. As a result there may be fees or penalties for early withdrawals, including surrender charges and if taken prior to age 59 1/2, may be subject to a 10% federal additional tax. ** Annuity guarantees are backed by the financial strength and claims paying ability of the issuing insurance company, they are not insured by the FDIC. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. *The National Retirement Risk Index, published by the Center for Retirement Research.