A Fixed Indexed Annuity is a contract between you and the insurance company that issues your policy. Fixed Indexed Annuities are monitored and regulated by the Department of Insurance of the state from which they are issued. The annuity is also protected by the financial strength and claims paying ability of the insurance carrier. Each state's insurance regulator maintains jurisdiction over the insurance carrier and determines the specific amount and level of protection to which the individual investor is entitled.

As Judith James always points out at her seminars, there isn't a perfect investment tool. It is our belief that investors should be safer with their money as they grow older. Our average client is at or nearing the age of retirement and wants to preserve and protect their assets. If you want unlimited growth potential and are willing to assume the risk of unlimited loss, then a fixed indexed annuity is probably not the right choice for you. If you are concerned about protecting your principal and enjoying a reasonable rate of return on your investments, then you may consider joining our Franklin James Retirement Group Family.

There are many available options for withdrawing your money.  The annuities we offer allow you to withdraw up to 10% after the first year - without penalty.  In the event of premature death, your beneficiaries can choose to receive your annuity's accumulated value as a monthly or lump sum payment.

Current advisors are not going to agree with our recommendations because, in doing so, they may have to admit that their recommendations were not appropriate. All financial firms have conservation units to try to conserve your business because, once the asset is transferred, the advisor and firm no longer generate any income from this asset. Most risk advisors cannot sell indexed annuities. These annuities are offered by insurance companies; therefore, they generally will not bring up these tools in client meetings.