Hello, this is Darryl Dick. Over the years, I've helped thousands of Greater Cincinnati area residents with their health insurance needs.
And now, I'm truly excited to show you a way to protect your financial future by placing a portion of your retirement dollars in a product that can PROVIDE YOU WITH A GUARANTEED INCOME FOR AS LONG AS YOU LIVE!
You may be thinking, "What type of new product could pay me an income for as long as I live?"
NEW PRODUCT? NOT EXACTLY...
The original version of this product has been around for over TWO THOUSAND years.
BILLIONS of dollars are placed into these products annually.
There are over TWO TRILLION dollars of total value in these products.
So... just what is this mysterious product?
It's nothing mysterious at all. It's an Annuity. A good old fashioned, safe, boring, vanilla, Fixed Annuity.
But a Fixed Annuity can do an amazing thing.
It can provide you with a sum of money that can far exceed the original amount you started with.
And it can provide you with an annual guaranteed stream of income, with no risk of loss, for as long as you live.
Really.
Guaranteed income for life is just one of many reasons why Fixed Annuities are so popular. I'll get to the other reasons shortly, but first... a brief history lesson...
As previously mentioned, Annuities are not new. Far from it... in fact... they're ancient.
Let me explain...
Annuity contracts find their origins in ancient Rome.
During this time, an Annuity was called an "ANNUA" which is Latin for "annual stipend."
The citizens of Rome would make a one-time payment for an "ANNUA", and in exchange, they would receive income payments for as long as they lived.
The definition of an Annuity? Income received in a series of payments.
This same product, with some modern updating of course, is available to you today.
I offer Tax-Deferred Fixed Annuities. Because Annuities are an insurance product, they enjoy special tax treatment that only insurance products can offer. Annuities accumulate interest without taxes being taken at the end of the year. With a Tax-Deferred Fixed Annuity, you pay no taxes until you begin receiving income!
BEST OF ALL, YOU EARN COMPOUND INTEREST ON YOUR TAX-DEFERRED FIXED ANNUITY IN FOUR DIFFERENT WAYS!
First, you earn interest on your principal.
Second, you earn interest on your interest.
Third, you earn interest on your tax savings. Your interest is free from current income tax in an Annuity so all of your money will continue to compound instead of having to be withdrawn to pay taxes.
Fourth, BONUS DOLLARS. The insurance companies I represent offer substantial bonuses, in some cases up to 10%, that's immediately credited to your initial principal and you earn interest on the bonus dollars as well.
TRY GETTING BONUS DOLLARS FROM CD's, BONDS, MUTUAL FUNDS OR STOCKS!
And only an Annuity is capable of providing you with an income for life!
TAX-DEFERRED FIXED ANNUITIES ARE REFERRED TO AS "SAFE MONEY."
Why are Tax-Deferred Fixed Annuities safe? Because they are backed by the issuing insurance company. As long as the Annuity is not surrendered early, it is guaranteed to never lose a penny of your principal. Let me clarify that statement. Annuities are not suitable for short-term needs. They can deliver solid returns, but only if allowed to grow over a period of time uninterrupted. If surrendered early, there can be surrender charges and tax penalties. If you need your money in the short-term, an Annuity would not be suitable for you. There is one type of Annuity that does not guarantee your principal. It's called a Variable Annuity. Since Variable Annuities cannot guarantee your principal from loss, I DO NOT OFFER THEM.
Why do Americans own annuities? According to the 2005 Gallup Survey of Owners of Non-Qualified Annuity Contracts, annuities are seen as a way to provide their owners with additional retirement income (78%) and as a financial safety net in case they or their spouse live well beyond their life expectancy (83%).
You can have your IRA in an Annuity and you can move your IRA to an Annuity. You can also place non-IRA money in an Annuity. In any case, your money will grow tax-deferred until you begin to receive income payments.
Let me close by sharing this...
I'm 47 years old and I own a Tax-Deferred Fixed Annuity. I will allow the Annuity to grow without interruption. Because I will not surrender the Annuity early, my Annuity will be protected from loss, it cannot lose value and it will appreciate greatly over the years. And when it's time for me to retire, I will begin to receive an annual stream of money that I can never outlive.
I call my Fixed Annuity a "money machine" because that's exactly what it is! It will provide me with a guaranteed annual income that is protected from loss for as long as I live. What could be better than that?
WOULD YOU LIKE TO OWN YOUR OWN "MONEY MACHINE?"
If so, please call me, Darryl Dick, for more information and a free brochure. I can be reached at 513-884-1919, or e-mail me at darryldick@gmail.com
I'm licensed in OH, KY, and IN, and I'm an accredited member of the Cincinnati Better Business Bureau with an A+ rating.
If you decide to meet with me I'll ask you for a favor.
I'LL ASK THAT YOU PUT YOUR CHECKBOOK AWAY!
I will NEVER ask you to make a decision at the conclusion of my presentation.
In fact, I will never ask you to make a decision at all.
I ask for 30 minutes of your time so I can show you how a Tax-Deferred Fixed Annuity, THAT INCLUDES BONUS DOLLARS OF UP TO 10%, can work for you and provide you with an income for your entire life. After we meet, please review the information and give the benefits careful thought. If you decide that you'd like to move forward, simply call me back and let me know.
No pressure ever. It's the only way I've ever done business.
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IMPORTANT - With my health insurance clients, I'm able to easily explain the product over the phone and then send a brochure to clarify. Seldom is a face-to-face meeting necessary.
*** With Annuities however, a 30 minute face-to-face meeting is requested so I can properly illustrate how the lifetime income benefit will work for YOU! The benefits and workings of an Annuity are much easier to explain in person. I'm happy to send you the brochure, but I request a brief meeting to fully explain the product. I have no doubt you'll be happy with what you learn! And if you have prior experience with Fixed Annuities, you already know how powerful these "money machines" can be!
Thank you for your time and please don't hesitate to call with any questions.
I hope to hear from you soon!
Sincerely,
Darryl Dick
Darryl Dick Insurance
7869 Bicentennial Place
Cincinnati, OH 45249-3438
513-884-1919
darryldick@gmail.com
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