A tax deferred annuity is one of the few retirement investments that offers tax-deferred compounded interest. Our bank funds and most of our market funds (stocks, some bonds, mutual funds, REITs, etc.) are taxable and very seldom, if at all, have guaranteed principle.

Tax deferred annuities offer these advantages AND guarantee your principle plus a minimum interest rate. The minimum interest rates that I can offer you now matches or exceeds the rate you’re getting at the bank less the taxes and fees that may apply. Safety for retirement dollars usually outweigh risk. Pending where you’re at in life, and your asset to debt ratio, conservative funding is appropriate.

EMCNL (EMC National Life Company) is a dynamic life insurance company based in Des Moines. EMCNL is an affiliate of EMC Insurance Companies. They have been in Des Moines for over 100 years with assets over $2.9 billion making them one of the largest property and casualty groups in Iowa and among the top 60 insurance groups nationwide based on premium volume. They have superior service and financial stability.

Please call me. We will take a look at the big picture and position you safely in the right investments so that in your retirement years, you can live the life you’re accustomed to. EMC also has a host of other products, both in the individual market and in the workplace market that are well worth your time to know more about. Please give me a call and we’ll discuss your options.