ForeCertain
planning

Simplicity and certainty in an income annuity

ForeCertain is a single-premium income annuity, which in basic terms means it’s a product that converts an amount of savings into a guaranteed income stream based on three things: when you want the income to start, how long you want it to last — for a set period, your lifetime, or a combination of the two — and if you want the income alone or jointly with another, typically a spouse.

Built to suit your retirement needs.

The income annuity that keeps things simple

It’s simple and certain. ForeCertain is solely designed for income. With our income annuity, you simply pay one premium and receive guaranteed income based on your age, needs and elections. It has no account balance, and there are no fees and charges. Keep in mind, based on how long you live and the income option you elect, the benefits you receive may be more or less than your premium amount.

Taking care of your income needs
Retirement is the time to put your hard-earned savings to good use in addressing your income needs. Upon purchase of ForeCertain, you choose your income option. With a variety of options available, there’s likely one that aligns with your needs. Your financial professional can help you determine which is right for you.

Nine options are available varying by:

  • The duration of income provided
  • Whether income is needed for one or two lives
  • Whether, and what level, of death benefit you want to include

Customize with optional benefits
If you have special circumstances or concerns, you may elect optional benefits that can help you:

  • Keep pace with inflation
  • Protect your premium amount if you die before you begin receiving income
  • Provide a legacy ensuring your annuity benefits are not transferred and remain as you intend today
  • Delay the age at which the IRS requires you to start drawing income from the annuity

Optional benefits have no charge, but election may lower the amount of income provided.

Since no one truly knows what life has in store, ForeCertain contracts include features that help you adapt to changing circumstances. Availability of features varies by the income option, plan type and length of deferral elected. Restrictions and state variations may apply.

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Product Highlights

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With the payment of a single premium, the ForeCertain income annuity is an option that can:

  • Provide a reliable income stream simply and certainly using a portion of your savings

  • Supplement your lifetime income needs and/or

  • Serve as bridge to delay and help maximize other income sources

 

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Add some certainty into your retirement strategy.

Speak to your financial advisor about ForeCertain today.