Now more than ever, Consumers need Fixed Annuities.
Why?


1. FIXED ANNUITY CONTRACTS ARE A VIABLE ALTERNATIVE FOR A PORTION OF CONSUMERS SAVINGS. Clients troubled by the unprecedented Banking Industry Meltdown? The issuers of annuity contracts are required to invest premiums conservatively so that they can endure economic changes or sudden and numerous claims for benefits. Taken as a whole, the insurance industry has $5 trillion in assets and more than $81 billion in surplus
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2. STATE LAW MANDATES FIXED ANNUITY CONTRACTS HAVE AN UNDERLYING GUARANTEE. While some states do not allow the promotion of the Guaranty Fund, it is important for all insurance sales people to be aware that a financial safety net exists on a governmental level for consumers in fixed annuity contracts. Much like the FDIC guarantee, there is a cap on coverage. This varies by state. Call SYNERGY for details.

3. VARIABLE ANNUITIES & VARIABLE LIFE CONTRACTS DO NOT HAVE THE SAME LEVEL OF GUARANTEES. As with any security, the consumer bears the responsibility for loss. We submit that it would be close to impossible for the average consumer to know if they have indirect exposure to the mortgage backed derivatives through their mutual fund, bond fund or variable annuity.
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