Fixed Indexed Annuities: Stability in Uncertain Times

In today’s financial environment, the recent downturn and volatility has heightened fears and uncertainties, making National Life Group’s Flex Fixed Indexed Annuities (FIA) a powerful solution designed to help people safeguard their retirement contributions while offering growth potential.

Key Benefits of Fixed Indexed Annuities

1. Principal Protection: FIAs are shielded from market losses, ensuring a client’s contributions remain secure no matter how the market performs.
2. Upside Potential: FIAs allow clients to earn interest based on the performance of a chosen market index, offering a balanced approach to growth and security.
3. Tax-Deferred Growth: FIAs enjoy the advantage of tax-deferred growth, allowing policy values to compound without the immediate tax burden.¹
4. Predictable Income: Certain FIAs offer a rider that can provide a guaranteed stream of income throughout retirement, offering peace of mind and financial security. ²

Why FIAs are Perfect for 403(b) Plans in School Systems

1. Security for Educators: FIAs offer a secure option for risk-averse educators seeking stable growth without the fear of losing their policy values.
2. Long-Term Stability: The predictable income from FIAs helps educators plan for retirement with confidence, knowing they have a reliable source of funds.
3. Enhanced Retirement Planning Strategies: By including FIAs in 403(b) plans, school systems can provide employees with a diversified portfolio that balances growth and security.

1. Buying an annuity within a tax-deferred retirement plan does not offer extra tax benefits. If considering an annuity within a retirement plan, base your purchase decision on the annuity’s other features and benefits as well as its risks and costs, not its tax benefits. Indexed annuities do not directly participate in any stock or equity investments. Guarantees are dependent on the claims paying ability of the issuing company.

2. Guaranteed Lifetime Income Riders (GLIRs) are only available to purchase on Life Insurance Company of the Southwest (LSW) fixed indexed annuities. Riders are an optional benefit for which premium is charged, are available at issue only, and may not be available in all states.