Sorry You Missed The Best Rate in Town
“IS YOUR ANNUITY SAFE?”
Dear NICKNAME,
Have you ever had a financial advisor, someone who supposedly knew what they were doing, recommend an investment and then you lost money on it? In the early 1990s, thousands of financial advisors recommended the annuities of two large insurance companies that failed, surprising millions of annuity holders. But there was no surprise.
Anyone who could read a balance sheet could tell that these firms were pursuing unsafe investment practices. Unfortunately, many stockbrokers and insurance agents do not have enough financial background to understand the financial statements or simply do not care to look. You pay the same amount to use a financial advisor who knows how to read financial statements so wouldn’t you like the better advisor who is competent to look out for your interests?
Here are the major points of competent advice you need about annuity safety. Ask for a copy of the insurance company investment portfolio. Look for these specifics:
1. Non-investment grade bonds should be limited to 15% of the portfolio.
2. Mortgage loans should be limited to 15% of the portfolio.
3. If these two conditions are met, then 70% of the investments will be in investment grade bonds.
4. Surplus should be at least 6.5% of assets.
Use these minimum acceptable criteria and this will help keep you away from the shaky companies. But to get a FREE comprehensive analysis of your annuity safety, just write in the annuity company names below and send back this form. No need to be in the dark and expose yourself to “surprises.”
Sincerely,
Joseph Advisor
Certified Retirement Financial Advisor™
Company____________________________ Year purchased __________________
Company____________________________ Year purchased __________________
Send this form to: Senior Solutions, 1212 Jones Street, Toledo Ohio, 98777
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