Cincinnati, Ohio Policy Series 0701-3030 WSA 0506-320, 0506- 320-U 0506-100, 0506- 100-U Rider Series 9401-540, 9401- 581-U, 9401-670 , 9401-671, 001 0-620, 0010-602 , 0010-675 RINC 0805 Legacy Master® and annuities are issued by Western-Southern Life Assurance Company. Superior Value Life is issued by The Western and Southern Life Insurance Company. Economy Life is issued by The Western and Southern Life Insurance Company. WESTERN-SOUTHERN LIFE® Copyright May 2008. Retirement Income Needs 1 of 12
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
Cincinnati, Ohio
Policy Series 0701-3030 WSA0506-320, 0506-320-U0506-100, 0506-100-U
Legacy Master® and annuities are issued by Western-Southern Life Assurance Company. Superior Value Life is issued by The Western and Southern Life Insurance Company. Economy Life is issued by The Western and Southern Life Insurance Company. WESTERN-SOUTHERN LIFE® Copyright May 2008.
The Risks to Your The Risks to Your Retirement Retirement IncomeIncome
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
4 of 12
LongevityLongevity
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
5 of 12
InflationInflation
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
6 of 12
UncertaintyUncertainty
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
7 of 12
Retirement Income NeedsRetirement Income Needs
Reduce all three risksReduce all three risks
Not a deposit. Not FDIC-insured. Not insured by any federal government agency. Not guaranteed by Fort Washington Savings Company. May go down in value.
RiskRisk ApproachApproach
LongevityLongevity Guaranteed incomeGuaranteed income
InflationInflation Allow assets to growAllow assets to grow
UncertaintyUncertainty Reduce exposure to Reduce exposure to market risksmarket risks
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
8 of 12
Helps give you Helps give you ControlControl and offers Peace of Mind and offers Peace of Mind
Increases the amount of guaranteed income to Increases the amount of guaranteed income to you on an income tax-advantaged basisyou on an income tax-advantaged basis
Income is guaranteed for as long as you liveIncome is guaranteed for as long as you live
Income tax-deferred growthIncome tax-deferred growth
Guaranteed benefits to your survivors upon Guaranteed benefits to your survivors upon your deathyour death
Access to funds in the event of an emergencyAccess to funds in the event of an emergency
Benefits to YouBenefits to You
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
9 of 12
Holds the following ratings awarded by three Holds the following ratings awarded by three highly respected, independent insurance-rating highly respected, independent insurance-rating firms:firms:
Standard & Poor’s AA+Standard & Poor’s AA+ for Very Strong for Very Strong financial security characteristics (second highest of 21 financial security characteristics (second highest of 21 ratings; rating held since August 2005)ratings; rating held since August 2005)
A.M. Best A++ (Superior) A.M. Best A++ (Superior) for financial strength, for financial strength, operating performance, and market profile (highest of operating performance, and market profile (highest of 16 ratings; rating held since May 1991) 16 ratings; rating held since May 1991)
Fitch AA+ Fitch AA+ for Very Strong insurer financial strength for Very Strong insurer financial strength (second highest of 21 ratings; rating held since (second highest of 21 ratings; rating held since September 2002)September 2002)
Ratings are subject to change from time to time. The ratings shown herein are correct as of 01/02/08.
Western & Southern LifeWestern & Southern Life
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
10 of 12
Next Steps:Next Steps:
Step 1 Step 1 I gather your informationI gather your information Step 2 Step 2 I help you determine your needsI help you determine your needs Step 3 Step 3 I explore alternatives with you I explore alternatives with you
based on the information we based on the information we gatheredgathered
Step 4 Step 4 I recommend solutions to fit I recommend solutions to fit your your need need
Step 5 Step 5 I will review your plan annuallyI will review your plan annually
Western & Southern LifeWestern & Southern Life
RETIREMENTRETIREMENT
INCOMEINCOME
STRATEGIESSTRATEGIES
11 of 12
Western & Southern LifeWestern & Southern Life
Let’s look at your assetsLet’s look at your assets