If you are frustrated with record low interest rates on your savings accounts, money markets and CDs, why not get a rate of 2.45% guaranteed for a year?

We can help you overcome the low yield crisis with specially created annuities with much higher rates? The Wall Street Journal said it feels like “retirees are…getting both feet stomped on and then kicked in the knee”.

Rates are near zero. After fees and taxes, the real investment return is just about zero percent.

This 200 year old investment option is often overlooked but it guarantees higher rates. In fact, the current annual fixed rate is 2.45% for $250,000 or more. Even better, the income is not taxable until it is withdrawn, unlike other investments which tax your gains each year.

With the Federal Reserve signaling that short term interest rates would be near zero until 2024, many remember the 7-year low rate period following the last recession: The Wall Street Journal, September, 2020


One great option is no commission or fee-based annuity . It is liquid and currently paying a GUARANTEED ANNUAL RATE of 2.45%. The advantages are:

  • Liquid. 100% guaranteed.
  • 2.45% fixed rate of return (2.35% below $250,000).
  • More than 2.45% is possible.
  • All gains are kept and can never be lost.
  • No principal risk; no market risk.
  • No surrender charges; small market value adjustment on early year surrender
  • Tax deferred.
  • Protected by multi-billion-dollar insurance companies with superior ratings.

Financial Engineering: Instead of using indexed annuities with built-in commissions, we utilize fee-based alternatives to boost the early year liquidity. The fees are a fraction of the traditional commissions that are built into annuity products. To the benefit of all stakeholders, this is state-of-the-art value creation which leads to better returns than investors can get in traditional savings vehicles. Alternatives like these minimize the individual risks and maximize the safe, upside potential.

What makes this so much better?

As individual investors, we can not match the investment skill or the scale of insurance companies. With the brightest investment people working 24/7, these teams are investing billions on a daily basis. As individual investors with far less to invest, we simply cannot commit daily focus to our investments, without sacrificing attention from other areas of our lives. This option creates a partnership between you and the insurance company. You share in the upside when markets are up, without taking any principal risk. It’s Win/Win.

How Much Interest Can I earn? A popular option these days is the fixed account rate that is currently paying 2.45%. Or, you can choose an index linked to the S&P. In fact, many people choose a blended option that creates a level of guaranteed income plus significant income potential. Interest rates as high as 5% are possible through volatility controlled indexes, without any principal risk. After fees, the returns are far superior to the returns in savings accounts, money markets, CDs and Treasury’s. Furthermore, you are completely shielded from any market risk.

We are facing the real possibility of negative savings rates. Imagine paying a bank to hold your money? It doesn’t seem possible but neither did ten years of these rates seem possible a few years ago.

In the future, if rates do move up and you find better ones, you can liquidate with no surrender penalties. However, it is important to note that higher rates elsewhere will likely lead to insurance companies increasing their fixed rates as well.

We sell security, not securities. Contact us and we will answer all your questions. You have nothing to lose by taking a complimentary phone call or requesting a customized quote.

Start the ball rolling by simply filling out the contact form on this page or any page of our website. You can reach us at 561-771-4647 or 561-869-4500.

For more information about short term interest vehicles click here

How long will interest rates remain low click here


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