Recover from Market Losses with Bonus Annuities	back to home

Do you know there are bonus annuities designed to help offset losses in your savings? There are annuities where you can receive a 1%, 2%, 3%, 4%, 5%, even 10% premium bonuses to help make up for market losses.
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Market sensitive products may help you build your retirement savings in good times, but they cannot guarantee preservation and protection of those savings in uncertain times. Perhaps you are approaching retirement and you decide you cannot accept the risk of the stock market any longer. In fact, you have suffered market losses and your portfolio is down substantially.

Can you overcome these market losses; can you protect your savings at the same time? Yes! If you allow the insurance company to use your money for a five year period or longer, they may include a bonus up to 10%.

For example, let's say you have experienced a loss of 10% in your mutual fund, stock portfolio, or other investment. Your original account value in your mutual fund or other investment was $100,000, and your present account balance is $90,000, thus you have losses equaling $10,000.

A possible solution for someone in your situation is an annuity with a 10% BONUS. An example of a hypothetical annuity product may includes a Base Rate of 4% PLUS a 10% Annuity Bonus producing a 14.4% 1st Year Yield! Your account value after year #1 is $102,600. You could continue to be conservative, continue to earn a hypothetical 4% for the next five years, your average annual yield over the 5 year period is 5.92 which would give you an account value of $120,027. In five years you could decide you want retirement income and "annuitize", "turning your deferred annuity into an income stream". You will receive the monthly income you desire and enjoy your retirement, knowing you will never outlive your income. We all know that an annuity company is not going to just give you a 10% premium bonus and not want something in return. What an insurance company wants, and needs, is for you to allow them to utilize your money for a longer period of time. This is the tradeoff.