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Clients Feeling the Uncertainty

What is the one thing currently on the minds of your clients when it comes to their finances? Uncertainty. Turmoil. They are asking questions about how to protect their savings. Since 2009, 513 banks have failed.1 Trust in the U.S. banking system may be at a low point.

Knowing this, you can offer clients an alternative option. Fixed Index Annuities and Multi-Year Guaranteed Annuities can offer guarantees of principal protection along with growth and income for life. While 513 banks have failed, only 26 Life and Annuity Insurers have failed in the same amount of time.2 And if an insurance company does fail, the state guaranty fund3 is there for the occasion. Learn more.

You can highlight the stability and claims-paying ability of the issuing company in our Top Ten Reasons to Consider a Fixed Index Annuity brochure. Then, call a UMS annuity team expert to help you make this a regular part of your client outreach. Always remember, UMS is with you every step of the way!

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC. 1 List of Failed Banks: 2009-2023. 2 Facts & Figures. Impairments and Insolvencies. NOLGA-National Organization of Life & Health Insurance Guaranty Associations. 3 Though discussion of the guarantee fund is prohibited in the annuity sale, you can explain their existence and operation to clients at the time of contract issue.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Fixed Index Annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. They may not be appropriate for all clients. Not FDIC Insured - May lose value - No bank or credit union guarantee - Not a deposit - Not insured by any federal government agency or NCUA/NCUSIF. Product features, rates and availability may vary by premium or state and broker/dealer. 0523-4

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