You've got questions.
We've got answers.
A Panic Proof Retirement™ is a customized retirement plan based on your needs. It typically combines investments offered by insurance companies called Fixed-Indexed Annuities. These Annuities provide growth potential, safety, lifetime income options, and access to your funds. In addition, we offer free income planning that dives into your Social Security and other benefits with our proprietary IncomeMAX™ strategies, which can provide up to 33% more income and help you retire sooner rather than later!
While we have NO minimum, many of the financial institutions we work with do. Minimums will vary depending on the insurance company but typically are $25,000.
NO. Panic Proof Retirement charges NO fees. The Fixed Indexed Annuities in our plans do not charge mandatory annual management fees, meaning investors can keep more of their returns. Some products have the opportunity to add additional benefits for a fee that is typically 1%.
The short answer is YES. We only offer insurance carriers with an A.M. Best rating of B++ or better. This rating indicates the credibility and ability of an insurance company to repay claims to customers. Furthermore, we have no record of any policyholder ever losing money in any fixed annuity in America's history.
YES, we offer a free consultation and can objectively evaluate whether your annuity has all the features and benefits of today's next generational annuities that we offer at Panic Proof Retirement™. You may be able to get bonuses and more competitive benefits by converting your old annuity to a newer policy that you weren't offered just a few years ago.
Contract lengths vary by carrier, but every contract offers annual FREE withdrawal provisions that are penalty-free and provide liquidity for your needs. In addition, many of the plans offer "bail out" provisions where the insurance company will refund 100% of your premium after two years if you are unhappy with your investment.
At Panic Proof Retirement™, we do not custody any client funds. Our clients' funds are held at large, well-established insurance companies across the world that offer online access, customer service, and insurance to protect them from insolvency.
YES, we will be happy to schedule a meeting with you in person, via Zoom, or by phone. You are under no obligation to become a client.
YES, and you will not owe taxes on the transfer; we have helped many clients just like you achieve financial security in retirement with features and benefits not offered in 401k plans.
Upon your death, 100% of the value of your annuities will pass on probate-free to your beneficiaries. Under NO circumstances will the insurance company keep your proceeds.
YES, at Panic Proof Retirement™ we offer our clients free comprehensive annual reviews and encourage them to meet with our professionals as often as necessary. Not only do we offer ongoing reviews, we encourage you to meet with us as often as possible.
