Liquidity focused indexed annuities all share similar characteristics:

  • No downside market risk. Guaranteed increase through surrender
  • Surrender schedules range from 5-10 years
  • Historical returns fall between multi-year-guarantee-annuities and equities.
  • Liquidity options that let the client exit the policy without a surrender penalty.
  • Some carriers may charge a fee for the liquidity feature. However, that fee may be erased by the guaranteed increase, ensuring a positive return no matter what the index performance.
Athene’s Protector (5 and 7-year surrenders) has a 10% guarantee at the end of the surrender period, liquidity from day one (greater of premium less withdrawals or cash surrender), and provides the potential for growth.

These products are ideal for a conservative client who wants to have moderate upside with no market downside, a built-in guarantee, and wants to have the flexibility to get out of the annuity if necessary.

If you’d like to discuss this concept in more detail, you can set up a time to talk or simply request a quote for a client.

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