Sales Week: Help clients close the Social Security income gap with an FIA

HELP CLIENTS PLAN THEIR SOCIAL SECURITY BENEFIT TIMING

For clients who want to retire early, consider an FIA with IBR

Sure, your clients may be able to start receiving Social Security benefits as early as age 62. But if they delay taking benefits until their full retirement age up to age 70, their benefit amount could be much larger. Offer a solution they can implement now.

Once your client reaches full retirement age, Social Security benefits increase by 8% every year for each year delayed until age 70 (if born after 1943).¹

See what the Social Security Administration says about the best time to start receiving retirement benefits.

Putting a fixed index annuity into action

What’s a good way to help your clients bridge that income gap while they delay the start date for their Social Security monthly benefits? Consider recommending a fixed index annuity (FIA) with an Income Benefit Rider (IBR) from EquiTrust. 

An FIA with an IBR can provide guaranteed² lifetime income your clients can rely on to help them get from early retirement to age 70. Plus, they can benefit from upside growth potential, downside protection, a guaranteed minimum rate of return and tax advantages. 

When it’s time to start taking income from Social Security, guaranteed income from an FIA can provide an excellent source of supplemental income.

Visit the Agent Gateway to get details on our full line of annuities.

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To talk about using this strategy for your clients or to get a customized quote, call 866-598-3694.