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Safe Income World

Updated on January 29, 2014

Safe Income World

Safe Income Options

Our Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income stream you can count on, without the gut wrenching volatility and downside risk of stocks, bonds and mutual funds.

There are new safe income options you are probably not aware of. Until recently, they have been closely guarded secrets, known to a small group of originators, a few billionaires and a handful of hedge funds. This group had no incentive to tell you about these options. In some cases they had signed non compete, non disclosure and non circumvent agreements that prevented them from telling you. Now, this multi-billion dollar niche market has been opened to high net worth, accredited investors. We were able to convince the originators to open a new funding channel.

Discount Designer Annuities

Discount Designer Annuities

Yields too high to publish.

Payments are Guaranteed by top rated insurance companies: Allianz, Met Life, NY Life, Prudential, Allstate, Genworth John Hancock etc.

How Discount Designer Annuites work: When someone buys an immediate annuity (SPIA), elects to annuitize a deferred annuity or is receiving a structured settlement annuity payments, they no longer have a surrender option. They are stuck with the payment stream.

The reason is the Insurance Company has locked in a long term low interest liability, and it is making more money on the premiums it receives than the benefit it is paying out. That is how the Insurance Company make its money. The Insurance Company is unwilling to give up its locked in profits. It is locked in its profits by buying long term bonds. If it has to sell the bonds prior to maturity, it could incur investment losses, and this is not fair to its shareholders and other annuity holders.

This creates a win-win opportunity. We step in and provide the liquidity where no liquidity exist. We buy the future payments at a discount, you get a high yielding steady reliable income stream. This is possible because hidden in plain sight in every annuity contract, is the right to sell, assign or transfer ownership of the policy.

In the case of structured settlement annuities, the Courts approve the assignment to you, and the insurance company then redirects the monthly payments to you.

Life Time Income Riders

Life Time Income Riders

Most off the shelf indexed annuities offer a Life Time Income Rider.

This benefit will provide you an income you won't out live, with out having to annuitize the annuity. In the past, if you annuitized your annuity, payments would stop on your death, or continue for a period certain, say 10 years. At the end of the period certain, the payments would stop. People did not like it, that if they died soon after purchasing the annuity, their heirs would get little or no future benefits. With the life time income riders, any balance left in the account is distributed to heirs on your death. Generally, the life time income riders can be triggered at age 60. Payments are usually 5% to 6% of the income account balance at the time the life time income rider is triggered, depending on age of the annuitant. Payments never decrease, unless you withdraw more than the life time income rider withdrawal amount. Payments may increase. A husband and wife can elect a joint life payment, usually at a half percent decrease in the payment rate.

Payments will continue, even if the account balance is exhausted.

Immediate Annuities

Traditional off the shelf immediate annuities will pay an immediate income, either for life or a period certain. Many people use these to distribute retirement income. Once payments start, there are no surrender options. Your stuck with the income stream. Current yields are in the 2% to 3% range. Compare this with the higher yielding Discount Designer Annuities above. Same guarantees, different income streams, but higher yields.

The Discount Designer Annuities are designed and tailored to a specific case at hand. They have the same guarantees as off the shelf annuities sold to consumers, but the payment streams are different.

Longevity Risk - Will You Out Live Your Income?

Current U.S. Treasury Yields

National High Yield CD rates

The Power of Tax-Free Wealth Accumulation

Profit from my 35+ years experience


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