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SOCIAL SECURITY — TIMING IS EVERYTHING
For clients who want to retire early, consider an income-focused indexed annuity
Your clients can claim Social Security as early as age 62, but waiting until full retirement age means a bigger payout. Offer a solution to close the income gap.
Once your client reaches full retirement age, Social Security benefits increase by 8% each year they delay until age 70 (if born after 1943).1 See what the Social Security Administration says about the best time to start receiving retirement benefits.
Bridging the gap
An income-focused fixed index annuity (FIA) with an Income Benefit Rider (IBR)
can help your clients delay their Social Security start date by providing guaranteed2 lifetime income to get them from early retirement to age 70.
Plus, they can benefit from upside growth potential, downside protection, a guaranteed minimum rate of return and tax advantages.
2 Guarantees are subject to the claims-paying ability of EquiTrust Life Insurance Company.
EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
