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Variable annuities in the spotlight [VIDEO]


Annuities for retirement come complete with a host of benefits, but not all insurance products are created equal. It's important for consumers to weigh their options when selecting the annuity that's right for them.

Since variable annuities are based on the underlying investment performance in the stock market, volatility in the economy can have positive or negative consequences regarding the annuity’s value. The variable annuity owner has the opportunity to receive higher returns when the market is doing well, and it also means there is more risk if the market is going poorly. This is why the Securities and Exchange Commission itself encourages consumers to ask themselves if they're willing to risk a decrease in annuity value if the underlying investment options perform badly before signing a contract.1 Over time, a variable annuity may outperform other annuities, and this is why they may be right for those who are interested in the accumulation phase of a financial strategy.

Variable annuities may not be the right approach for everyone. In general, the older you are, the less likely it is that variable annuities are a good choice for your needs when compared to other annuities. Many Americans turn to fixed annuities as a way to help guard against this risk and to guarantee* regular income throughout retirement**. Speaking with a financial professional is always recommended before making a final decision.

Get in touch with one of our insurance agents at J.D. Mellberg to find a suitable retirement income strategy for your needs. Be more confident you will not outlive your money, with lifetime payments** from the right annuity option for your situation. Call us today at 1-877-805-0151.

1”Variable Annuities What You Should Know” by U.S. Securities and Exchange Commission’s Office of Investor Education and Advocacy, downloaded as of 10/10/2014.

If you are unable to access this article on line, call 1-877-805-0151to request a copy.

*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

**Some annuities may have a lifetime income guarantee as part of the base policy; others may have riders available for additional premium that provide this benefit.

By responding to this offer you may be contacted by an insurance licensed professional regarding retirement income planning using fixed insurance products. Josh Mellberg is insurance licensed in all 50 states, and all employees of J.D. Mellberg Financial have the appropriate licenses for the products they offer.