Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Guaranteed lifetime income is availablethrough annuitization or the purchase of an optional income rider for a charge.
Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices maynot include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index norany market-indexed annuity is comparable to a direct investment in the equity markets.
Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (excluding NY) andD.C., and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York,are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be readas investment advice. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & LifeAssurance Company of New York or Athene Securities, LLC. Please reach out to your financial professional if you have any questions about Atheneproducts or their features.
The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financialprofessionals will be paid a commission on the sale of an Athene annuity.
ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSUREDBY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANYFEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.
Predicting how long a bear market will last isdifficult, but clients can take solace in the factthat stocks have only gone up over the longterm. Reassure them that with a sound long-termstrategy in place, there’s no need to panic whenthe market hits turbulence.
Create a flexible strategy
A diversified portfolio can help clients stayon track to meet their future goals. Targetingallocations to long-term objectives that matcha person’s time horizon and risk tolerance canhelp reduce the chance of market-related lossesderailing a client’s strategy. Diversification canhelp strengthen a client’s portfolio by seekingmore consistent returns in volatile markets,managing risk and yielding new opportunitiesfor growth. As retirement approaches or financialgoals change, you can adjust accordingly.
Include guaranteed income
Including guaranteed income solutions can
help ensure a client will have a steady paycheck
in retirement, no matter how long those
golden years last. A fixed indexed annuity, for
example, can offer guaranteed lifetime income,
while also providing growth potential. Plus,
there is no risk for market loss to the annuity’s
accumulated value, so even if the economy has
a downswing, that money will remain protected.
This guaranteed paycheck can help fill in theretirement income gaps that Social Security andtraditional pensions do not cover, and help aclient be prepared for rising costs down the road.
Preparation helps promote confidence
While no one has control over the stock market,we do have control over how we prepare for thefuture. Helping your clients understand marketfluctuations and the value of a carefully plannedretirement strategy can help them ride the upsand downs with more confidence and keepthem focused on the bigger picture of long-termfinancial wellness and security.
For more tips and tools from Athene, visit Athene.com/Resiliency