The Beneficial Index Annuity with Guaranteed Lifetime Withdrawal Benefit Rider

In an uncertain and ever-changing world, protect your retirement with lifetime guarantees.¹

Potential retirement dangers. Like many people looking forward to retirement, you may be concerned about market instability and other potential hazards on the journey ahead—what’s around the bend? A variety of risks—market declines; inflation; inadequate pension, Social Security, 401(k); etc.—could threaten your retirement journey.

Other potential dangers include declining interest rates; rising taxes; increasing costs for health care, prescriptions, and long-term care; and outliving your assets. These potential dangers could seriously interfere with your retirement plans by forcing you to do one or more of the following:

• Postpone your retirement.
• Cut back on your standard of living.
• Re-enter the workforce to supplement your income.
  
  

Protect your retirement. Help protect your retirement journey from unexpected hazards with strong, flexible safeguards. Beneficial’s Index Annuity with Guaranteed Lifetime Withdrawal Benefit Rider give you income, access, protection, and interest, in one convenient package. You get:

1. Guaranteed lifetime retirement income that will last as long as you do. Your lifetime-guaranteed income is like a pension—you can’t outlive it.
2. Guaranteed access to your retirement account, which means you control your money, as you would with a 401(k) at the time of your retirement. But, unlike a 401(k), you have the guarantee that your income won’t run out even if your account value is $0. You always have guaranteed access² to 100% of your Index Annuity cash value (penalties may apply for excess withdrawals).
3. Guaranteed protection and interest. While your capital is in the Index Annuity, guaranteed principal and guaranteed minimum return preserve your capital in an up, down, or flat market. You also get potentially higher interest that is linked to the movement of the S&P 500^® Index.
   
   

To find out more or get a price quote, click here to find a Beneficial agent near you.

¹Guarantees are based on the claims-paying ability of the insurer/issuing company. For costs and complete details of the contractual provisions, call your insurance agent or Beneficial Financial Group at (800) 220-3813. The Index Annuity policy and the GLWB Riders contain the actual governing contractual provisions. Restrictions may apply. The information on this Web site is not intended to give legal, tax, or accounting advice. Please consult your attorney, accountant, or tax advisor on specific points of interest to you. ²The IRS may assess a 10 percent tax penalty on income (not return of basis) withdrawn from your tax-deferred annuity before age 59½; limited exceptions apply.

Beneficial Index Annuity: form Guaranteed Lifetime Withdrawal Benefit Rider: (Silver: form 08-GWB1-01; Gold: 08-GWB2-01; Oregon Gold: form 08-GWB-OR) are issued by Beneficial Life Insurance Company, doing business as Beneficial Financial Group, 150 Social Hall Avenue, P.O. Box 45654, Salt Lake City, Utah 84145-0654. Beneficial Financial Group is a marketing name for Beneficial Life Insurance Company, its affiliated companies, and sales representatives.

“Standard & Poor’s®,” “S&P 500®,” “Standard & Poor’s 500,” and “500” are trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by Beneficial Life Insurance Company, doing business as Beneficial Financial Group. The product is not sponsored, endorsed, sold, or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.