'WHERE TO NEVER GET AN ANNUITY'



FULL NAME

ADDRESS1

CITY STATE ZIP

Dear NICKNAME,

Last month, you ordered our annuity booklet “Annuity Owner Opportunities.”

The booklet shows not only how to protect the full value of your annuity but also gives tips on how to purchase annuities. Here are some additional items to watch out for:

1. Your stockbroker or bank is not the best place to obtain an annuity. They have only limited offerings and they are locked in by their firms to deal with only a few companies. There are over 1000 annuity companies and your broker probably offers four or six annuities at most. Our firm, Senior Solutions, is an independent agent. We are constantly looking for the safest companies with the best rates. If you want an annuity or need to rollover a matured annuity, get the best deal from your broker or bank and then call us.

2. Do not be seduced by “teaser rates.” Some annuity companies are offering first year teaser rates up to 10%. That sounds great for the first year but then you find yourself locked in for nine years and the insurance company pays you only 4.75% for the remaining years. These deals look good at first but are not good for you. I strongly recommend you find companies that will lock in your rate. For example, one of the high quality companies we deal with offers 6.4% fixed for the entire period.

3. Consider new options. Index annuities are becoming extremely popular. These annuities pay interest each year based on the increase in the stock market, yet guarantee your principal.

We’d be delighted to assist you in getting the best deals. We uncover new opportunities each month, so feel free to call me directly at 800-xxx-xxxx.

Sincerely,

Joseph Advisor

Certified Retirement Financial Advisor™

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