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Some advantages to the Fixed Indexed Annuity:

• Safety of your principal.
• Interest is typically locked-in each term.
•  No risk of loss if you hold the contract to term and no withdrawals are taken during the withdrawal charge period.
• A guaranteed minimum interest rate.
• Your choice of interest crediting strategies: index-linked or a guaranteed interest option.
• Tax deferred growth (Annuities vs. CDs, for example).
• Penalty-free and lifetime income options.

FIXED INDEXED ANNUITIES

• Safety of principal and previously-credited interest.
• No risk of loss if held to term.
• Minimum interest rate GUARANTEED.
• Your choice of interest crediting strategies based on changes in a market index or guaranteed-interest strategy.
• Tax-deferred growth.
•  May avoid probate.
•  Penalty-free withdrawal options.
• Lifetime Guaranteed Income Options*.

*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider,
a benefit for which an annual premium is charged.
IRAs are already tax-deferred; if you want to put IRA funds into an annuity, consider the other benefits provided
by an annuity, such as lifetime income and a death benefit. Taxable amounts withdrawn prior to age 59½ may
be subject to a 10% IRS penalty. Guarantees provided by annuities are subject to the claims-paying ability of the
issuing insurance company. Indexed Annuities contain limitations including withdrawal charges, fees and a market
value adjustment which may affect contract values.

Most people purchase life insurance to provide a legacy of financial security at the time of their death. But doesn’t it make sense for the benefits to extend and be available for the difficult financial times they have to face if a chronic, critical or terminal illness precedes death? The industry calls the benefit an “Accelerated Death Benefit Rider.” We refer to it as real Living Benefits.

Most of us are in this profession because of a sincere desire to help others in a manner that is both unique and timely. Living Benefits is one of the reasons why the Alliance family of agents is so passionate about what we do every day.

Here is an all too common scenario.

• The insured has purchased a universal life or term insurance policy from an Alliance representative.
• Months or years later, a chronic, critical or terminal illness occurs, and money is needed due to the necessity for special care or expensive alternative treatment not covered by their health insurance; or to replace the income of the insured or the family member who volunteers to stay home as caregiver; or perhaps to just fulfill the insured’s living wish before the end of life.
• In real life, families want to provide for the needs of the grandparent, parent, or child who became ill now, and not wait for the legacy of an insurance death benefit.
• Combined with the ageless tax advantages inherent in a life insurance contract, if this living feature was better known more people would buy life insurance for the “living benefits” than just the death benefit.
• Other insurance carriers who may offer it charge an additional premium for their accelerated death benefit rider.
• The companies selected by the Alliance Group include the living benefits rider at no additional premium cost to the insured, with no separate underwriting requirements.

That is what distinguishes the Alliance Group from all others and allows us to build An Alliance for Life between our agents and their clients!