Funding Retirement With Annuities

Contributing to the evolving face of retirement is the fact that Americans are living longer, healthier lives. Living longer and healthier lives means many people today will be spending a lot of time in retirement, perhaps even 25 to 30 years. And rather than retirement being a time to “slow down,” today’s retirees are finding that it is a gloriously active “third act” of life, a time to harvest the fruits of their life’s work and live the dreams they’ve been building toward during their working years.

Unfortunately, just as people are more actively enjoying their retirement, there are fewer sources of guaranteed income to support those retirement lifestyles. With fewer and fewer guarantees, you want to know that your income sources will last as long as you do.
 

That’s why we offer the Guaranteed Lifetime Income Annuity1 to help you enjoy peace of mind in your retirement, knowing that your retirement income will last as long as you live. That’s the promise the insurance company makes to you: retire-ment income that lasts. It’s a promise that is as good as gold.
 

Our Fixed Interest Deferred Annuities1 are designed to help you accumulate funds for retirement. In contrast to the risks of stock market related vehicles, fixed deferred annuities provide the safety of a fixed interest rate that allows money to grow at a guaranteed rate of interest. With a fixed deferred annuity, you can feel confident that your retirement savings will grow steadily, without being subject to stock market fluctuations.
In short, this is what fixed deferred annuities offer:

• Competitive, guaranteed fixed interest rates2
• Tax-deferred growth
• Access to your money when you need it3
• A premium guarantee that ensures you’ll never receive back less than what you paid for your policy
• Control over when you receive your money and pay taxes on the earnings
• A guaranteed death benefit for your heirs4
• The opportunity to generate a stream of income that’s guaranteed to last a lifetime

In addition to the above Guaranteed Lifetime Income Annuity and Fixed Interest Deferred Annuities, we also offer Variable Annuities5.

1) Issued by New York Life Insurance and Annuity Corporation. All guarantees based on the claims paying ability of the issuer
2) Interest rates are effective annual yields.
3) Withdrawals may be subject to regular income tax and, if made prior to age 59 1/2, may be subject to a 10% IRS penalty. Surrender charges may also apply.
4) Death benefit payments are dependent upon the claims paying ability of New York Life Insurance Corporation (NYLIAC) (A Delaware Corporation), a whol-ly owned subsidiary of New York Life Insurance Company. Surrender charges will not be deducted from death benefit proceeds.
5) Offered through NYLIFE Securities LLC