PROD CAT Accumulation

Whether retirement is a few years off or you’re already there, you’ll still want to keep growing your money to do the things you’ve always dreamed of.

Let’s look at four accumulation hurdles and how you might overcome them.

Hurdle #1

Avoiding market losses

As you near and enter retirement, how do you protect your savings from market downturns while still trying to grow your money? Ask your financial professional how annuities or an indexed universal life insurance policy can diversify your retirement strategy and give you growth opportunity. And how fixed annuities can shield you from market losses.

Avoiding market losses image

Hurdle #2

Minimizing the effects of down markets

Market conditions when you retire can have a huge effect on how long your savings will last. But with some adjustments to your retirement strategy, there’s a way to help minimize the damaging effects of down markets — making when you retire matter less. Talk to your financial professional about how fixed annuities and indexed universal life insurance may help.

Minimizing the effects of down markets image

Hurdle #3

Low interest rates

In 1984, a five-year CD yield was 12.06%.1,2 And today, fixed interest rates have plummeted. Your financial professional can show you fixed indexed annuity products with rates that may surprise you.

Earning more during low interest rates image

Hurdle #4

Planning for inflation

Right now, a fast food burger meal may cost you around $7.00 and that’s before you super-size anything. But in 40 years, that same meal may cost you $26.77 due to inflation.3 To keep up with increased living costs when you retire, your money will need to keep up too.

Products for your accumulation strategy

securefore
fixed annuities
SecureFore

Gives you fixed, guaranteed growth with no down market risk in one of three timeframes: 3, 5 or 7 years.

foreaccumulation
fixed index annuity
ForeAccumulation II

Offers growth potential with no market losses. Plus, an optional benefit to guarantee the growth of your death benefit.4

foreinvestors
variable annuity
ForeInvestors Choice

Provides personalized, tax-deferred growth potential with access to nearly 100 investment options.

lifetime builder
indexed universal life insurance
Lifetime Builder ELITE

Offers the potential to accumulate cash values you can access during your life in a tax-advantaged way.

global accumulator
indexed universal life insurance
Global Accumulator

Gives 6 interest-crediting approaches and 2 SMART Buy-Up options to enhance account value growth potential.

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Indexed universal life

With its unique interest crediting approach, indexed universal life (IUL) offers you upside potential with downside protection.

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Fixed index annuities

A fixed index annuity (FIA) provides protection against losses from market volatility and accumulates interest on a tax-deferred basis over a set period.5

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Ready to review your accumulation strategy?

Talk to your financial professional today to see what types of changes may make sense for you.