年金:美国股票的承诺   

Securing a financially independent future begins today with sound retirement planning and building a dependable source for lifetime income. 作为一个努力工作的人，你很重视自己的财务状况. You have invested your time and energy in order to create and sustain a quality of life that suits you and your family. Just like you insure your home, health and car, an an体系 provides insurance for your nest egg. 在美国证券, we strive to provide stable an体系 products backed by our company’s financial strength, 严格的投资实践和屡获殊荣的客户服务.

什么是年金?

An an体系 is a contract between you and an insurance company purchased in a lump sum or through a series of recurring premium payments. 年金 are sold by licensed insurance agents and are regulated by state departments of insurance.

年金如何运作?

The an体系 is backed by the financial strength and claims-paying ability of the issuing company. 年金 are one of the only stable money products that can guarantee practical retirement solutions, such as protecting hard-earned dollars and generating income that cannot be outlived.

There are a variety of annuities available that you can discuss with a financial professional. 两种最常见的类型是固定年金和可变年金. These annuities have different methods of earning interest on the contract value. Variable annuities earn returns based on the performance of the investment portfolio. 回报不能保证，合同价值可能上升或下降.

These annuities guarantee an interest rate that will never be less than zero, 即使市场下跌.

什么是固定指数年金? 

A 固定索引体系 is a contract between you and an insurance company that provides a series of immediate or deferred payments that can be used for retirement income in exchange for a single or recurring payment, also known as a premium. 

The benefits of these insurance products include principal protection with the potential for growth based on an external index, 比如S&P 500^® 指数, which can be used to help reach retirement income goals after the accumulation period has ended and the payout phase begins. 所赚取的利息也不会因指数波动而蒙受损失, leaving your retirement dollars intact for the future since the interest can never be lost once it is credited to the an体系 contract.

什么是传统固定年金?

A 传统固定年金 protects your nest egg by offering guaranteed growth at a fixed interest rate determined at the beginning of the contract. Since this type of an体系 provides interest accumulation based on the fixed interest rate, the rate is guaranteed for a set period of time and cannot decrease during that time period.

固定及固定指数年金的好处

Both fixed and 固定索引nuities offer a guaranteed minimum interest rate and tax-deferred growth. That means any annual interest credited will never go below zero because of index volatility and your money grows tax deferred up to the day you decide to take an income. 

当你准备好接受一笔收入时, 这些年金提供多种收入支付选择, 比如一次性付款或一段时间内的一系列付款. 和, 额外的终身收入选项, you can elect to add a lifetime income benefit rider to your an体系 at issue. This benefit helps generate a reliable income source that cannot be outlived and has a variety of payout options. 这一功能只适用于您的年金产品.

Every retirement is different, each with its own financial goals and unique needs. 但, many of today’s retirement objectives are the same—a reliable income source that provides asset protection so you can plan for the future ahead.

什么是即时年金?

An 即时年金 can provide steady income for a specific period of time or lifetime income that begins within 12 months of a signed contract. The difference between immediate and deferred annuities is the insurance company promises to make a series of payments to you immediately, 而不是在未来的某个时候, 递延年金是什么情况. 

在美国证券, we remain focused on providing products with integrity so our contract owners know their money is protected for the future. 试试皇冠体育 年金计算器 了解年金如何运作，并帮助你确定退休目标.

To find out more about what an体系 may be right for you and what steps to take next, 打电话给离你最近的金融专家. 

美国股票合约只能通过独立代理出售. Please contact your state insurance department to see if there is an independent insurance agent in your area appointed to 出售 美国股票 an体系 contracts. Guarantees are based on the financial strength and claims paying ability of 美国股票 and are not guaranteed by any bank or insured by the FDIC.

本材料仅供参考, 也不建议购买, 出售, 持有或展期任何资产.  它不考虑具体的财政情况, 投资目标, 风险承受能力, 或者任何特定的人的需要. In providing this information 美国股票 Investment Life Insurance Company is not acting as your fiduciary as defined by the Department of Labor. 美国股权不提供法律服务, investment or tax advice or make recommendations regarding insurance or investment products. 请咨询合格的专业人士.

年金的特点、利益和限制因产品和州而异. Please review product sales brochure and disclosure for additional details.

”年代&p500®”是S&道琼斯指数有限责任公司(SPDJI), and has been licensed for use by 美国股票 Investment Life Insurance Company (“AEL”). 标准 & 普尔®和S&P®是标准的注册商标 & 普尔金融服务有限责任公司(“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). These trademarks have been licensed to SPDJI and sublicensed for certain purposes by AEL. AEL’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, 或者它们各自的附属机构, and such parties make no representations regarding the advisability of investing in such product(s) and have no liability for any errors, 遗漏, 或者S音的中断&P.