INSURED ANNUITIES

May 2011

  

A perfect match of income and protection

Are you looking to realize a better after tax return than traditional fixed income investments?  Would you also like to preserve capital to pass on to your heirs? If so, an Insured Annuity may be the right solution. An Insured Annuity provides a guaranteed, tax preferred income stream for as long as you live.  In addition, a tax free death benefit is guaranteed. The objective of the strategy is to provide a better after-tax return on investment than traditional fixed rate investments, while preserving the capital through life insurance.

Why invest in an Insured Annuity?
  • Provides guaranteed, tax efficient income stream for life
  • Guarantees a death benefit
  • Reduces tax
  • Increases returns
  • Increases income 

Who can benefit from this strategy?

A dilemma that many individuals face during retirement is:
“Will I have enough to live on throughout retirement?”

In addition to this, many who want to leave an inheritance or death benefit to their beneficiaries are facing a similar dilemma:
“How much can I leave and still maintain my lifestyle?” 
 

The Insured Annuity concept may provide a solution to these issues for those who are over the age of 60, in good health, prefer to avoid risk, require an income from their non registered assets, and want to leave a guaranteed death benefit to their heirs or favourite charity.

   

Summary

If you are looking for a balance of steady guaranteed income and the protection of capital to pass to future generations, an Insured Annuity may be a good solution. For more information on this strategy and a complimentary copy of our education article entitled Insured Annuity, please contact your Richardson GMP Investment Advisor.

 

 

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