You’ll get three great benefits:

1. We will only recommend the annuity that is best for your circumstances. And one of the top priorities is keeping your cost low as possible. We have a broad array of product offerings… and only use top tier insurance companies that are in the forefront of the annuity marketplace.

2. We’ll handle all of the paperwork for you. We will make the transition as smoothly as possible for you.

3. We will provide you with expert advice and great customer service! We have been in the annuity marketplace since 1997. Your broker or insurance agent may come and go, but you have toll free access to us and we’re here to help with your retirement needs.

Smart Moves:
If your waiting a year or so into retirement before buying an immediate annuity. Consider a deferred annuity instead.

Strategy:
You can collect a bonus and a higher income rider with a deferred annuity which in turn will give you a generally higher payout than an immediate annuity. All immediate annuities are subject to interest rate changes. You in essence are building up your capital base and fixed interest payout with a deferred annuity.

Strategy:
You can also get a greater payout by buying a life insurance policy to make up the difference between a single lifetime benefit (which will be a higher payout) than a joint and survivor payout. The difference in premium would be used to buy a life insurance policy on the annuitant. When the annuitant dies, the surviving spouse will receive a lump-sum cash payout that should meet or exceed the payments that would have been received on a single lifetime benefit. Caution on this strategy. The annuitant has to be insurable, the cost of insurance has to be affordable, and the mortality risk of the surviving spouse has to be taken into consideration. All three factors must be weighed carefully to make the decision. This strategy does not work in practice all the time based on the factors discussed above. However, in some cases the strategy may provide a greater substantial economic benefit to the surviving spouse. You may want to at least consider having a consultation to see if this strategy may work in your case.

Best practice:
Investigate the financial strength of the insurance company that guarantees your annuity.
Check the health of an insurance company with any of the three major independent rating agencies.
A.M. Best (www.ambest.com)
Moody’s (www.moodys.com)
Standard & Poor’s (www.standardandpoors.com)
Limit your options to insurers that receive credit ratings from A- to AA- or better.

Huge...Huge...Huge...Tip:
Not all insurance companies specialize in fixed income, deferred, or income annuities. You want an insurer who specializes with these products. The reason is you more likely you will receive better benefits and higher payouts when you’re ready to receive one.

We at www.RetirementWealth4you.com will shop insurers for you that deal exclusively in this market to provide you with the best quotes and benefits to you