The financial wizards of the news media say Life Insurance and Annuities are poor investments. From a short-term perspective, they may be right. But Life Insurance and Annuities are not investments per se. They're the counterbalance to investment risk in a broad portfolio of assets.
Consider the recent financial environment. Interest rates have declined for the past 25 years, to near zero in 2009. The stock market delivered a -2.22 percent annualized yield from mid-1999 to mid 2009. CDs with a $10,000 minimum to open, presently offer 1.10% for 6-months and 1.30% for a 1-year rate lock (Chase Bank). Real estate plunged off the cliff in 2008 and took the economy -- and most people's stock retirement portfolios -- along with it. A new term was coined, I'd don't have a 401-k, I now have a 201-k.
In these circumstances and beyond, guarantees are more compelling than ever. Not one insurance or annuity policyholder lost a dollar of value in the market debacle. In fact cash values and annuitization values went up. So in summary when laying out your blue print " Your Financial Plan," don't build a house of cards, but a house with a sound, solid, foundation -- with guarantees than only Life Insurance and Annuities can offer to your Financial Plan.
Let First Capital Financial Services be your Risk Management and Wealth Management architect. CALL today 916-338-1345 to speak with a licensed representative to schedule an appointment. When calling mention promotional code "ANNUAL RESET" and you'll receive a free financial analysis, a $250 value, it could be the best 30 minutes you've ever spent -- addressing your future.
Let me ask you this? If you could walk into a casino, play all day and the casino would cover your bets and at the end of the day you would be guaranteed to walk out with 1, 2, or 3% more than what you walked in with. BUT whatever you made you could keep 100%, up to a cap of say 12% or 15%; would you play at that casino? Well that is what a Fixed Equity Index Annuity can do for you; it takes out the uncertainties, protecting your money while offering growth potential.
