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ABOUT AMERICA’S RETIREMENT PLANNERS

America’s Retirement Planners (ARP) is one of the fastest growing independent insurance and financial services marketing firm in the retirement industry. ARP’s licensed professionals offer the highest quality annuity products made available from only the Top A-Rated insurance companies throughout the United States.

Annuities can provide a retirement planning solution for conservative individuals who want to protect their principal, have the ability to take income now or later and have the upside potential, however do not want to put their money at risk.

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DEFERRED-INCOME ANNUITY (QLAC)

  • Lifetime Monthly Annuity payments begin 2 to 40 years after investing into annuity
  • Guaranteed income for single or joint life
  • Used to create a pension-like income

 

IMMEDIATE ANNUITY

  • Lifetime Monthly Annuity payments begin immediately
  • Guaranteed income for single or joint life
  • Period-Certain: Guarantees a series of payments over specified period of time. Can choose payments to last 5 years, 10 years, even as long as 20 years

 

FIXED ANNUITY

  • Essentially a CD-like investment issued by insurance companies, not banks, and typically pay higher yields/rates than CDs
  • Return of Principal (ROP) annuity at maturity
  • Fixed rate of return for duration of the contract (3, 4, 5, 7, 9, or 10 years – your rate never decreases)
  • Matures at a specified time (3, 4, 5, 7, 9, 10 years)

 

FIXED-INDEX ANNUITY

  • Principal protection (Potentially grow your account value without risking your principal)
  • Return of Principal (ROP) annuity at maturity
  • Potential upside with no downside risk
  • Potential interest credited annually (annual-reset)
  • No internal fees (unless you select an optional rider for guaranteed income or an enhanced death benefit)

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