Fixed Indexed Annuities

Annuities / Fixed Indexed Annuities

The Potential Benefits of Fixed Index Annuities

At ALEVO, we help protect the financial well-being of

individuals, businesses, and families. One potential tool we recommend

to our clients when appropriate is a fixed indexed annuity. This financial product offers you the potential to earn interest tied to an external market index (subject to limits) which providing guarantees against market losses, offering a balanced approach

to wealth accumulation and income retirement planning.

Potential Financial Benefits of Fixed Indexed Annuities

1. Potential for Higher Interest Credits

Potential to earn interest based on the performance of a specific
market index. (upside is limited by caps, spreads and/or participation rates).
Your money is never invested in the market itself.

2. Principal Protection

Your annuity is protected from market downturns.
No Negative Returns: You won’t lose money due to poor market performance. The worst
you can do is 0% in any year (optional rider fees will continue to be deducted even in years
in which the annuity earns no interest).

3. Tax-Deferral

Tax Efficiency: Your annuity can grow tax-deferred until you make withdrawals.
Annuity funds are taxed only when withdrawn (a 10% IRS penalty will apply before age 59-1/2).
.

4. Guaranteed Lifetime Income

Financial Stability: Convert your annuity into a steady income stream for life.
Retirement Income Planning: Help ensure you won’t outlive your savings.

5. Flexibility & Customization

Multiple Options: Choose from various indexing methods and crediting strategies.
Tailored Solutions: Customize your annuity to help meet your financial goals.

6. Death Benefit

Legacy Planning: Pass remaining assets to your beneficiaries.

Why Consider a Fixed Indexed Annuity with ALEVO?

Experienced Guidance: Our team helps you navigate the complexities of annuities.
Personalized Strategies: We tailor solutions to align with your financial objectives.
Customized Income Approach: We help you integrate annuities into your overall retirement income strategy.

Financial Benefits of Income Annuities

A fixed indexed annuity can be a valuable addition to your financial portfolio, offering growth potential and protection. Let ALEVO guide you toward a more secure and prosperous future.

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Disclosure & Disclaimer

We are not affiliated with any educational or government agency. This material is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. We do not provide investment, tax, or legal advice. Always consult with your own qualified advisors regarding your individual situation. Insurance and annuity products are not suitable for everyone. They involve fees and charges, including potential surrender penalties. Optional benefits and riders may involve additional annual costs. Life insurance requires medical and often financial underwriting to qualify. Loans and withdrawals from life insurance policies reduce policy death benefits and cash values, and may cause the policy to lapse or require additional premiums to remain in-force. Annuity withdrawals are subject to ordinary income taxes, and may incur a 10% IRS penalty if taken before age 59½. Product features and availability vary by state. Fixed indexed life insurance and annuities are not direct investments in the stock market or any index. The interest credited may be linked to the performance of an external index, but the contract does not directly participate in any index or equity/fixed interest investments, nor are you buying shares in an index. Crediting is subject to limits set by the issuing company, such as caps, spreads, and participation rates. Long-term care riders on insurance or annuity products are not a replacement for traditional long-term care insurance. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing company. The offer and sale of insurance products may only occur in states where the agent is licensed and the product is approved for sale. Investment advice relating to securities may only be provided by a properly licensed individual through a licensed affiliate entity, unless otherwise exempt. Comments about past performance should not be construed as a guarantee or assurance of future results. This website may include concepts with legal, accounting, and tax implications. We do not provide specific legal or tax advice, nor do we promote, market, or recommend any tax plan or arrangement. Consult a qualified professional for guidance. No representation is made as to the accuracy or completeness of the information provided here or through any external links. Visiting this website does not create an agent-client relationship.