Market, income and inflation risks can interrupt your clients' retirement plans. By adding a guaranteed income solution, such as a fixed immediate annuity, your clients can help manage these risks by creating a competitive amount of immediate guaranteed income, with the flexibility of choosing to receive that income for a specified period of time or even for life.
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Fixed immediate annuities
INCOME Promise Select and Nationwide Advisory Income are service marks of Nationwide Mutual Insurance Company. INCOME Promise is a service mark of Nationwide Life Insurance Company.
Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals. Investing involves risk.
Fixed income annuities may be appropriate for individuals who want guaranteed interest rates and the potential for lifetime income. Guarantees are subject to the claims-paying ability of the issuing insurance company. If you take withdrawals before you’re age 59½, you may have to pay a 10% early withdrawal federal tax penalty in addition to ordinary income taxes. During the liquidity period, withdrawals may reduce the income benefit payments or the refund death benefit.