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Product Details Report: Immediate Annuities

Table Of Contents:

1. Why This Report 2. Who Is Annuity Straight Talk? 3. Immediate Annuities 4. Understanding Immediate Annuity Options 5. Understanding Payout Rates 6. About Longevity And Mortality 7. Mortality Credits 8. Reading An Immediate Annuity Quote 9. Using Immediate Annuities For Retirement Income 10. Final Thoughts On Immediate Annuities 11. Your Next Steps

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Why This Product Detail Report

Investing and growing your money is a topic beaten to death by the main stream media and Wall Street. There are plenty of people who can take risks, pick stocks, read charts, and analyze a balance sheet.

What they all have in common is that they can blame ‘the market’ when you lose money. Well, we are decidedly different. We deal in principles- long standing financial truths, and not

short term, one trick tactics, tricks or flash in the pan products. We set you up for a 100% probability of success... we deal in guaranteed outcomes... we deal in

certainty. It’s a totally different approach and you owe it to yourself to give it serious consideration. This detailed report is a complement to our “Retirement Income The Right Way” report and is

meant to expand on this particular product. We work with a range of annuity products. This particular product may or may not be appropriate

for you, so be sure to contact us to get one on one assistance understanding your needs and devising an optimal strategy appropriate to you.

To Get Started With Us, Visit http://www.annuitystraighttalk.com/members/strategy/

Or Call 800-438-5121

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So Who Are The People At Annuity Straight Talk?

Annuity Straight Talk is a collaboration of Bryan J. Anderson and Nathaniel M. Pulsifer. They are appointed with a wide range of Life and Annuity companies and are experts in a diverse range of guaranteed strategies. They build optimal retirement income plans, founded on guarantees from market leading carriers, for their clients around the United States.

Bryan J Anderson

Bryan Anderson is a multi-state licensed insurance producer and a career finance specialist. With Mr Pulsifer, he started Annuity Straight Talk to bring his unique views on guaranteed retirement income and planning to a wide audience. He enjoys working with investors around the US from his offices in Northwest Montana.

To Learn More About Me, Click Here:

Nathaniel M. Pulsifer

Nathaniel M. Pulsifer is a multi- state licensed insurance producer and retirement income expert. He builds plans for clients that produce financial freedom and security, and that work even when the markets tank. His clients enjoy their retirement with income annuities that offer the optimal combination of Safety, Flexibility, Profitability, and Longevity specific to their needs.

To Learn More About Me, Click Here:

What Annuity Straight Talk Can Do For You

We work with guarantees. A guaranteed floor that produces income now or income later is the key to retirement security.

We create optimal retirement income plans that produce this financial freedom and security, and

our plans are guaranteed to work even when the markets tank. But there is no silver bullet. There is no one-size fits all financial product that is right for everyone. We can help to find what’s right for you, and balance your needs for safety, flexibility, profitability, and longevity to craft your optimal plan.

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Immediate Annuities

Immediate annuities are the most traditional form of annuity. Immediate Annuities offer you lifetime income, and generally do so with the payment of a single premium amount. These types of annuities are frequently called Single Premium Immediate Annuities, or SPIA’s.

For a lump sum premium, you get lifetime income. It’s a simple as that, but read on!

How Immediate Annuities Work

In its simplest sense, with an immediate annuity you make an initial deposit with an insurance

company and in return, the company pays you a guaranteed monthly income for the rest of your life. In order to calculate the payment you will receive, the insurance company will estimate your life

expectancy according to your age and gender. Your state will also be required when getting a quote, because not all annuity companies operate in all states.

The quote will show a ‘Payout Rate’ that is a percentage of the principal amount. By way of

example, a $100,000 investment with a $10,000 annual income is a 10% payout rate. The company can make this offer based on its estimates of life expectancy and investment returns it

can generate with your premium. The income payment will be higher than you can reasonably expect managing your own money because your investment will join the thousands of other annuity owners in the company, and your payout will benefit from what are known as “Mortality Credits.”

We’ll go into more detail about Mortality Credits, Payout Rates, and contract options in just a

moment. At it’s core, an Immediate Annuity is really a simple thing- it’s a monthly payment, guaranteed by

the carrier, for your life. We’ll discuss some of the additional options in the next section.

Summary: Immediate Annuity Pros and Cons

The primary benefit from an immediate annuity is that you will receive a higher guaranteed income

than you could get from any other product, and this income is guaranteed for life. Quite simply, annuitization of assets- meaning, turning your assets into the maximum possible

spendable lifetime income at the lowest risk, is mathematically proven to be only possible by using immediate annuities. I’ll give some links to Immediate Annuity research later on.

The major disadvantage is that when you pass away, any unrecovered principal is surrendered to

the insurance company. Now, there are ways to structure the contract to continue payments in your absence, and again, more on this in a minute.

In its most basic sense, an immediate annuity is a one-way contract. To put it bluntly, if you outlive

the average life expectancy, you’ll win big… if you die early then the insurance company wins big.

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Immediate Annuity Contract Structure and Options

There are several variations on the general theme of Immediate Annuities that add flexibility,

options, and of course, costs, that help tailor the annuity income stream to your needs. Single Life: The basic form mentioned earlier. This works best for one person with no desire or need

to leave a remainder benefit to heirs. Joint Life: In this case, the payout will be based on two lives such as you and your spouse. Payments

continue as long as both people are living. It need not be a spouse either- the joint life can be anyone. To increase the initial payout, it is possible to reduce the payout to the surviving spouse, such as

60% to the survivor. Many pensions are structured this way. People that elect this option believe that living expenses will be reduced with only one living spouse, but it can leave a survivor with a diminished standard of living.

Period Certain: With this option, payments will be guaranteed for lifetime or a specified period,

whichever is greater. This works well when the contract owner wants to guarantee payments for heirs and can be a good way to ensure that the initial investment principal is recovered over time. Again, do the math and make sure you understand the deal you’re getting.

Remainder Guarantee: This guarantees that income payments will at least equal the invested

amount regardless of how long the contract owner lives. Similar to period certain contracts, this is done to ensure a certain level of asset recovery.

Inflation Adjustments: Many people are justifiably concerned about the negative effect of inflation

on retirement income. Protection may come in the form of a Cost of Living Adjustment, or COLA. This is generally a fixed 2% to 4% increase in the payments each year.

Truly inflation indexed immediate annuities are available also. They start with a much lower initial

payment that increases in relation to the consumer price index (CPI) annually. Because of the inherent unknown variable of inflation, companies are reluctant to issue these contracts. Social Security is indexed to the CPI however. Apparently the Government, the manufacturer of statistics, is comfortable with the risk... or comfortable kicking the can down the road to younger generations.

Also there is a big difference between the CPI and a COLA. COLAs generally guarantee a 3% annual

income increase, whereas increases in the CPI are not guaranteed. Some years the CPI may increase by 8%, for instance, and some years it may not increase at all. With a COLA, annual increases happen no matter what but may not increase enough to combat current inflation.

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Immediate Annuity Payout Rates And Rate Of Return

Most people are conditioned to look for a rate of return, such as a 5% rate on a mortgage, or a 10% rate on a credit card. It’s easy to compare investments of similar risk profiles by their rate of return.

However, this is impossible to determine with an Immediate Annuity unless you know the exact day

you will die. Only a complete investment and finalized income stream can be calculated into a rate of return.

For example, if your father had an Immediate Annuity he bought for $100,000 in 1970 that paid

$12,000 per year until he died in 1990, we can calculate the rate of return. (Exactly 240 monthly payments of $1000 that started a month after purchase, bought for $100,000, is precisely an of 11.04688% Effective Rate of Return, or IRR)

But how do you know the rate of return on an Immediate Annuity you are considering now? You

can’t, unless you know the date of your last check. Instead, your Immediate Annuity will show a Payout Rate, and you will have to estimate the Rate of

Return based on your personal life expectancy.

What A Payout Rate Shows

A Payout Rate is quite simple- lets use the example above. The $100,000 investment paid out $12,000 per year. That’s a 12% payout rate.

The primary factors that determine the payout rate for Immediate Annuities are age and gender,

and your state of residence will also be required as not all carriers offer all their products in all states. In the case of Joint Life annuities, there may be two genders and two ages to factor in.

For example, as of this writing a single male aged 72 from California with $100,000 to invest would

receive $675 per month, or an 8.1% Payout Rate. A 72 year old California female would receive $598 per month, or a 7.18% payout rate. She has a

longer life expectancy, thus a lower payout rate. Now, a 72 year old California couple would receive a joint life benefit of $544, a 6.53% payout rate.

Joint life annuities have lower payout rates than either of the individuals on their own could get because of the longer life expectancy of couples, which we’ll discuss more in the section on Longevity.

Couples with a wide disparity of age will find Immediate Annuities to offer even lower payout rates,

because the rate is determined by the youngest of the two, and receives a further lowering due to the joint life. It can sometimes be more lucrative to look at other fixed term options in these situations.

Look at your own payout rates at our dynamic Immediate Annuity quote tool, located Here. Use the

back button on your browser to explore variations and find the optimal time to buy your Immediate Annuity.


http://www.annuitystraighttalk.com/annuities/immediate-annuities/immediate-annuity-quotes/

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About Longevity and Mortality

Mortality is not something many people study. It’s an unpleasant topic. But when planning to optimize a finite amount of money for an indefinite lifetime, some understanding of the facts about mortality are essential.

First, it’s an actuarial fact that couples live longer than singles. That’s illustrated below:

This table shows the probability of a 65 year old male, female, and a couple.

The 65 year old male has a 50% chance of living to age 85

The 65 year old female, a 50% chance of living to age 88

But with a couple both aged 65, one of them has a 50% chance of living to age 92! This is a mathematical, proven fact in US mortality tables - A full 5 years longer statistical chance! Another important point shown above is that your life expectancy may be longer than you realize.

Traditional asset management and ‘systematic withdrawal plans’ promoted by market based investment managers typically use age 90 as an ‘end date’ in their models

But a quick glace above shows a 50% chance of one member of a 65 year old couple reaching age

92! And that’s just the midpoint. 50% of those people may live longer still! Unless you are quite comfortable with a high probability of outliving your assets, planning to age 90

is insufficient for most people to be truly safe.

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More Fun Facts About Mortality

In an earlier section I mentioned that your probability of living got better with time, and as a result, your Immediate Annuity payout rate may not necessarily get better with age. There is an optimal time to buy an immediate annuity, and it’s different for each person based on their health and family history.

With each passing year, a certain percentage of a group of people of the same age die. This rate of

mortality increases by approximately 9% each year. For example, in a given group of 50 years olds, 10% may die in a year. In that same group the next year, 10.9% will die. But as that segment of people age, the 9% rate of increase in mortality actually declines. This is a phenomenon known as ‘Late Life Mortality Deceleration.’

The laws of mortality were first quantified into a formula by Benjamin Gompertz in 1825, and it is

now known as the Gompertz-Markham Law of Mortality. Wikipedia has good info here, but for a more readable analysis I highly recommend Moshe Milevsky’s ‘The 7 Most Important Equations For Your Retirement.”

The mathematical laws of mortality are in some ways an illustration of the principal of ‘Survival of

the Fittest’. While rather morbid to write about, it is important to know that with each passing year as people die, the fitter, stronger, longer lived people continue to live. The chances of continuing to live actually get a bit better the longer one lives.

What Mortality Means To Your Immediate Annuity

If you wait too long to buy an Immediate Annuity, your funds are joining a pool of people statistically inclined to live a VERY LONG time, and the insurance company knows this. Their payout rate will reflect their knowledge that they will be paying a long time, and they have fewer Mortality Credits to go around.

Here’s a very important point however- you can absolutely benefit by this knowledge by buying a

lifetime income annuity at a very young age, but waiting until a very old age to start taking income. This is known as Longevity Insurance. It’s the subject of a separate Product Detail Report and is a

perfect option for investors who have good reason to expect a long life, and who want to ensure lifetime income in their latter years at the lowest possible price and the highest payout rates available.

To Learn About Deferred Income Annuities- Longevity Insurance- Click Here


http://en.wikipedia.org/wiki/Late-life_mortality_deceleration

http://en.wikipedia.org/wiki/Late-life_mortality_deceleration

http://en.wikipedia.org/wiki/Gompertz%E2%80%93Makeham_law_of_mortality

http://www.annuitystraighttalk.com/annuity-articles/retirement-equations-new-moshe-milevsky-book/

http://www.annuitystraighttalk.com/annuity-articles/retirement-equations-new-moshe-milevsky-book/

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Mortality Credits

To understand Immediate Annuities, you need a basic understanding of life expectancy and mortality. Life and Annuity Insurance companies know quite a lot about mortality, and indeed, an immediate annuity truly is the opposite side of the risk spectrum from life insurance.

With life insurance, a monthly premium buys your heirs a cash asset if you die early. With an

Immediate Annuity, a cash asset buys you a monthly payout, insuring that you can never run out of income as long as you live.

Mortality credits make both of these markets work, for both the insured, and the insurer, at

opposite ends of a lifespan.

The Benefits Of Being In a Risk Pool

We’ll use life insurance to illustrate the Mortality Credits concept first. Mortality Credits are a name for the benefits of being in a ‘risk pool’. For example, at 30 I bought 10

year term life insurance of $1M for just $250 per year. If I died in my 30’s my wife and kids would get the $1M. The insurance company was only going to receive $2500 in lifetime premiums from me on this 10 year policy, but guaranteed us $1M back. How could they do this?

The probability of me dying is very low. The company has thousands of people in my risk pool, and

collects millions in annual premiums, and statistically has to pay out very little. The face amount of my policy at $1M, with premiums of just $250/ year, is nearly all ‘Mortality Credits.’ These are excess premiums with low probability of being called on that the insurance company can promise to many people, but will only need to pay out to just a few. It’s like leverage.

I benefit by everyone else’s premium dollars, they benefit from mine, and my wife and kids would

receive a huge dividend if I was that unlucky one in 10,000 death. By knowing the statistics, the insurance company can offer me a huge windfall made up primarily of Mortality Credits. By knowing the mortality tables and statistics, they can promise each insured a large payout, yet still have a profitable business if they do their job right.

Mortality Credits and Immediate Annuities

Now lets turn to the other end of the age spectrum, with an immediate annuity. Immediate annuities put many people’s money together in a pool. The insurance company guarantees a payout rate to each and every one of them.

They can safely guarantee a payout rate FAR IN EXCESS of the investment returns they expect on

each person’s portion of the asset base, because each person benefits from the Mortality Credits generated by spreading the risk.

I’ll use a simple example borrowed directly from one of the best in the Annuity business, Tom

Hegna. Hegna is a widely known featured speaker and is a retired New York Life Insurance senior executive. He often uses this story when illustrating mortality credits.

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Every year, there are five 90-year-old ladies who go on vacation together. One year, one of the ladies said “Let’s each put $100 in this box and next year when we get it together for vacation again, we’ll open the box and those of us alive will split the money.” They said, “Helen, that’s a great idea.”

So you have five little old ladies. They each put $100 in the box. They tape up the box. So what do

you think happens the next year? They forgot where they put the box. No, no. Unfortunately one of the ladies died that year, so now there are four ladies that split the $500.

They each get $125. That’s a 25 percent rate of return in 12 months. And, I’ve got two questions to ask you. How much of that money was invested in the stock market? Zero. What interest rate did it earn in that box for 12 months? Zero. How did they get paid 25 percent with no money in the market and no interest? Because they got paid mortality credits! So the lady looks at that, the she looks at her brokerage account, and says, “This is a pretty good

deal. I think we ought to let it ride.” So they decided to let it ride. The next year one more lady died. Now there are three ladies that

split the $500. They each get $167. That’s a 67 percent return in two years. No money in the stockmarket, no interest rate. Why? Because they got paid mortality credits. The reason you buy a lifetime income annuity is because you get paid mortality credits. You can hear Tom deliver this story in many of his videos, start here: http://www.tomhegna.com/

Mortality Credits Summary

Mortality Credits are the extra payout an insurance company can afford to make because of the probabilities of people dying in any given year. Early in life, with life insurance, the premium is cheap compared to the benefit. Late in life, the premium (your investment) is still cheap when compared to the income payout benefit, because in each case, there are more people in the risk pool.

With Immediate Annuities, everyone in the pool benefits by spreading the risk of outliving income,

and the cost is borne by those who die unexpectedly early. It truly is insurance for your income.

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Reading Immediate Annuity Quotes

There are several variables you need to consider when looking at a quote. Below is a table from our quote tool available Here using a sample $100,000 premium from the 72 year old California couple.

Chart 1 Estimated Quotes for a Single Life Annuity

Income Payment Options and Definitions Est. Monthly Income

Annual Payout Rate

Single Life Income with No Payments to Beneficiaries $675 8.10%

Single Life Income with Up to 5 Years Paid to Beneficiaries $658 7.90%




Single Life Income with Installment Refund Paid to Beneficiaries $566 6.79%

Chart 2 Estimated Quotes for a Single Life Annuity


Annual Payout Rate*

Single Life Income with No Payments to Beneficiaries $598 7.18%





Single Life Income with Installment Refund Paid to Beneficiaries $536 6.44%

The first two tables show the income available to the two people on an individual basis- Chart 1 is

the male, Chart 2 is the female In its simplest form, an Immediate Annuity is a ‘Single Life Income With No Payments To

Beneficiaries’. This means as it states- if the annuitant dies, the payments stop. The subsequent options offer lower current monthly payment, but offer you security knowing that

your heirs will get something if you die early. There are options for 5, 10, 15, and 20 years of guaranteed payments to heirs. In other words, if you die the day after buying an immediate annuity with 20 years guaranteed, your heirs will get 20 years of income.

If you die 21 years after buying the same contract, however, your heirs would get nothing. Each of these ‘Guaranteed Payment Years’ options strip the Insurance Company of some of its profit

potential thru the Mortality Credits by guaranteeing more and more of the payout to you or your heirs. Don’t shed a tear for the company, but don’t be upset either when the payout rate is lower than you

would like. It’s just business.

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Chart 3 Estimated Quotes for a Joint Lives Annuity


Annual Payout Rate*

Joint Life Income (100% to the Survivor) With No Payments to Beneficiaries $544 6.53%

Joint Life Income (100% to the Survivor) with Up to 5 Years Paid to Beneficiaries $541 6.49%




Joint Life Income (100% to the Survivor) with Installment Refund Paid to Beneficiaries $515 6.18%

This next chart shows the Joint life immediate annuity option. Remember our discussion of

Longevity and couples? Flip back a page, and look at the man and the woman’s quotes.... In both cases on the prior page, the single life payout is higher than the joint life. $675 for the

man, $598 for the woman, and $548 for the Joint. While a woman has a longer life expectancy than a man (thus a lower payout if of the same age)

a couple has a longer life expectancy still. This actuarial reality is why the joint life payout, in all types of annuities, is lower than the single

life. Joint lifetimes can be particularly challenging to plan for in cases where the spouses have widely

different ages. Because the Joint Life annuity payout rate is based on the younger of the two, and then discounted because they are a couple, it can greatly affect the income of the two.

It may make sense to use different tools to achieve the objective, such as life insurance and an

immediate annuity on the older of the two, to both create income and replace capital upon death. Alternatively, using a guaranteed lump sum Secondary Market Annuity may be as lucrative, and the

payment would pay regardless of either spouse’s life. Let us help you devise an optimal strategy based on your own unique situation.


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Chart 4 Estimated Quotes for a Specified Period Annuity


Annual Payout Rate*

Guaranteed Income for a 5-Year Period Certain Only $1,651 19.82%

Guaranteed Income for a 10-Year Period Certain Only $886 10.63%




This final chart illustrates a type of annuity without longevity credits at all, known as a “Period

Certain Immediate Annuity” Quite simply, you give your money to the Insurance Company, and they will give you these monthly

payments back. Though our online tool illustrates a Payout Rate, it’s quite inappropriate in this type of annuity. An

effective rate of return is the right way to measure this as it is a known and definite payment stream. $886 per month * 120 Months is a total return of $106,300. This is a paltry 1.236% Effective Rate, or

Internal Rate of Return. Clearly this carrier has very low return expectations for its investment portfolio in coming years.

In the current environment, there is no reason anyone should be considering Period Certain

Immediate Annuities in the primary Insurance and Annuity market as the returns are terrible, especially when Secondary Market Annuities offer similar payment streams in the 4.5% to 5% Effective Rate range.

To put the value of SMA’s in perspective, $866/ Month for 120 months at 4.5% is $85,849. So the

choice is clear- Pay $100,000 to an insurance carrier for the payments, or pay $85,849 to buy an existing annuity with the EXACT SAME payments, and possibly issued by the same carrier, on the Secondary Market.

There really is no comparison. SMA’s are the clear winner for individual investors. However, for

many reasons, period certain annuities are regularly purchased, for primary Structured Settlement, business continuity, and other reasons.


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Using Immediate Annuities For Retirement Income

There are several combinations of products using immediate annuities that generate retirement

income that you may consider. Depending on your situation they may or may not be appropriate. Please, Contact Us for advice navigating these waters.

Hybrid Annuities- or Indexed Annuities With Lifetime Income Riders- These are covered extensively

in other Product Detail Reports so I won’t go into tremendous detail here. In the context of Immediate Annuities, the issue with ‘hybrid income annuities’ is the confusion they

cause. Most people don’t quite understand how the contract works and often, simple is better. Rather than buy an index annuity with a compilation of benefits and many terms and conditions, consider a simpler straight index annuity for appreciation years, then roll it into an Immediate Annuity when it’s time for income.

Traditional Asset Management- AKA Systematic Withdrawal This is standard retirement income

strategy of most money managers, and dictates that you invest your assets in a diversified portfolio of funds or securities, and draw a certain percentage (usually 4%) of those assets as income annually. This leaves you invested and exposed to the market and a host of other risks detailed in our Retirement Income, The Right Way report.

On its own, Traditional Asset Management does not work, offers no guarantees, and doesn’t offer as

high a level of income as do income annuities. Also, you run a significant risk of negative performance in the market at some point which will force you to take lower income at an unknown future date. This is generally the sort of risk and unknown that investors considering annuities are seeking to avoid.

There is no reason to expose yourself to risk, to accept a lower stand of living, and to live in fear of

the market, when there are guarantees available. Since Immediate Annuities offer greater payouts, it takes less money for an equal income level.

Use an Immediate Annuity to generate your desired level of lifetime income. This releases

pressure from remainder assets for continued growth in the market and produces higher overall returns, safety, happiness, and income. Using an Immediate Annuity + Traditional Asset Management DOES work!

Fixed Term Annuity > Immediate Annuity combination- This strategy uses that rare ingredient...

common sense. In a nutshell, we use fixed annuities or Secondary Market Annuity lump sums, to guarantee

appreciation and income, while preserving asset values. Then at a future point you can transition into an immediate annuity to maximize income.

Because immediate annuities are calculated using long-term interest rate assumptions and life

expectancy, if you bet that rates will rise in the future, and you know you will be older, your Immediate Annuity payout may be significantly higher by waiting to buy. Using a Fixed Annuity or SMA to guarantee your money in the deferral period grows it safely while you wait.

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Final Thoughts on Immediate Annuities…

Immediate annuities offer significantly higher payouts than almost any investment strategy

available. This enables retirees more flexibility with assets as well as a way to mitigate any losses retained as a result of negative market performance.

For almost all investors in or nearing retirement, Immediate Annuities should have a place in your

thoughts. And that’s not a sales pitch- it’s actuarial fact and mathematical reality. FRC, the Financial Research Council, published a study recently you can see Here. Their conclusion... FRC examined a popular strategy combining an income annuity with a portfolio of mutual funds to

determine how it compares to a traditional retirement portfolio containing only mutual funds. Across a wide variety of metrics, the portfolios containing a partial allocation to income annuities produced significantly better retirement outcomes for investors.

FRC defined success in two ways: is the portfolio likely to deliver the desired income to the investor

over the course of his lifetime, and, how much money is likely to be left over at the investor’s death? On both measures, the income annuity-enhanced portfolios significantly outperformed the conventional portfolios.

Conventional portfolios are not likely to deliver the desired income to the investor at inflation-

adjusted withdrawal rates in excess of 4%. However, income annuity-enhanced portfolios show reasonable success rates through 4.5% inflation-adjusted withdrawal rates, allowing retirees to generate more income with the same amount of assets. Also, the income annuity-enhanced portfolios resulted in significantly greater median net worth at death, creating a better economic outcome not only for consumers, but also for financial advisors.

Our analysis shows that no other investment vehicle can rival the income annuity for retirement

security. There is no other vehicle in the marketplace that can convert assets into income as efficiently as the income annuity. The simplicity of the product combined with the high payout rates, liquidity features, and optional inflation rider make the income annuity a product that will certainly gain popularity in the near future.

Regardless of your individual position regarding overall assets, I can say confidently you will be very

happy with the use of an immediate annuity. How you use them depends on your personal preferences and the quality of the advice you receive.

The decision about what level of assets you should allocate to an immediate annuity is not

something you want to leave to an amateur. Make an appointment now for simple, objective advice from the Annuity Straight Talk retirement

income experts.


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Your Next Step

Now that you understand Immediate Annuities, and you understand our approach using guarantees as the floor of a responsible financial plan, you really have two choices.

You can do nothing with this information, and let the future unfold. Who knows, you might get

lucky. But the risks of losing your investments in the market, or being forced to sell assets in a bad market to fund your retirement, will remain squarely on your head.

The smart choice is to use the information you now have to make a proactive decision to secure

your financial future. Call us to discuss your situation. We will explore the options that are appropriate to your needs.

We’re not a one trick, one product shop. The right annuity makes sense for many people. But one specific product type or carrier definitely

does NOT make sense for all investors. Let us help you to find what’s right for you. Above all, we’re not afraid to tell you when NOT to buy an annuity either. For some people with

sufficient guaranteed income already in place, there is no need for more! The ball is in your court, and we look forward to hearing from you. Yours, Nathaniel M. Pulsifer & Bryan Anderson Annuity Straight Talk

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AnnuityStraightTalkannuitystraighttalk.com/FreeDownload/ASTPDR- Immediate Annuities.pdfImmediate Annuities Immediate annuities are the most traditional form of annuity. Immediate Annuities