Guarantees are so important, particularly in these difficult economic times. The guaranteed interest rates in your Presidential Life fixed deferred annuity contract separates the contract from other competitor savings/accumulation financial products. The contract contains current interest rate guarantees and also minimum interest rate guarantees. This assures you no matter what the current financial climate, your contract value will continue to grow. Guaranteed interest rates are set when contracts are purchased and they are paid for various durations measured in years. Remember it’s the guaranteed return that’s important not the projected return. Presidential Life interest rate guarantees are real money in your pocket.

With future generations of retirees living longer and now faced with economic uncertainty after sustained stock and bond market losses, making retirement income last has taken on a whole new meaning than just a few years ago in better times. A traditional Presidential Life fixed immediate annuity, used by previous generations of retirees, is still a great way to help finance retirement income. The payments are fixed and guaranteed by the company and arrive on a timely basis. Annuity contracts that pay lifetime guaranteed income can be depended on to pay a steady stream of annual income for decades, as long as you survive. In addition, there are many different lifetime payment contracts that also provide for legacy concerns.

Presidential Life insurance policies; Graded Benefit Life (GBL) and Simplified Issue Whole Life (SIWL) help individuals who are in less than perfect health obtain limited life insurance coverage to help meet their final expense burdens, relieving family members from have to raise funds at possible at inopportune times. The coverage amounts are limited, and in the case of GBL, may not be available until you obtained certain ages and survive a deferral period of 2 or 3 years.

Disability income insurance protection via Presidential Life’s Income Guard policy helps plan for unanticipated events in which an illness or injury may cause you to miss work and have to suffer a period without earned income. As with our life insurance policies, you do not need to have perfect health in order to obtain disability income insurance protection with Presidential Life. Income Guard is designed for individuals who are in less than perfect health to begin with.

Annuity contracts, while not only great lifetime retirement income tools provide for all kinds of legacy opportunities that may benefit your loved ones way after you are gone. Survivorship income annuity contracts provide relatively high income payments vs. bank savings accounts and interest only withdrawals with the opportunity for your loved one to continue to receive the same payment after you are gone. These payments can be paid for an entire lifetime or for some limited time under Presidential Life’s new survivorship limited payment contract. Presidential is the sole issue in the country of survivorship limited payment annuity contracts. These contracts permit the Annuitant to determine at the contract issue date the amount of survivorship income, 50%, 75%, 100% or some other percentage amount of the contract’s premium cost.

“Wealth preservation” contract designs haven’t seen public popularity since The Great Depression. The current generation, like their great, great grandparents before them, individuals now in their 30s, 40s, and 50s, can secure future retirement income, guaranteed today, because the contracts permanent design fixes and guarantees future payments several years and in some cases, decades into the future.

These contracts while remaining attractive to their owners prove unattractive to everybody else. After a deferred benefit annuity contract is purchased, the contract can not be converted back to a lump sum or the payments commuted to a cash surrender value. There is nothing for an owner to do, no investment decisions, no management, no wring of hands over market gyrations, there aren’t even any statements. All the owner need do is sit back, enjoy the ride and have a life. The retirement income will be there when they get there. It’s that simple, worry free. [State ability limited, special purchase suitability requirements apply]