About Mark Michelson

Mark Michelson, CLTC, is an independent Platinum-Level Insurance Agent licensed in the states of Missouri & Illinois. He serves as Principal of Financial Protection, a wholly owned subsidiary of Professional Sales Consultants Inc. (PSC), established in 1980.

Protection Benefits

An important advantage of a fixed index annuity is the range of guarantees and optional protection benefits available. These benefits allow you to transfer risk to the insurance company issuing the fixed index annuity. These guarantees help protect your assets, your retirement income, and your beneficiaries. In exchange for the risk transfer, the benefits may […]

By |July 11th, 2014|Articles|0 Comments

Is a Fixed Index Annuity Right for You?

Only you know your goals for retirement, so only you can determine your needs. A fixed index annuity isn’t the right solution for everyone, and you shouldn’t buy one unless it’s appropriate for your situation. You may want to consider a fixed index annuity if the following benefits are important to you:

Tax deferral to help […]

By |July 11th, 2014|Articles|0 Comments

Indexed Interest Potential

Another advantage of a fixed index annuity is the opportunity to accumulate interest based on changes in an external index. Some FIAs offer you a choice of indexes rather than just one. In addition to choosing your indexes, you can also determine what portion of your annuity’s value will be based on each index selected.

Although […]

By |July 10th, 2014|Articles|0 Comments

Tax Deferral

A Fixed Index Annuity Offers Tax Advantages
During the accumulation phase of your contract, any interest growth is tax-deferred. If you purchase your fixed index annuity with after-tax dollars, you will only pay ordinary income taxes on your earnings – not on your premium payments – when you begin withdrawing money. Tax-deferred growth, compounded over time, […]

By |July 10th, 2014|Articles|0 Comments

Understanding the Benefits

A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers the tax deferral, indexed interest potential, and optional benefits to protect your retirement assets and income.
Tax Deferral
Under current federal income tax law, any interest earned in your fixed index annuity contract is […]

By |July 10th, 2014|Articles|0 Comments

Who’s Who in a Fixed Index Annuity

Insurance Company:
This is the company that issues the annuity. The insurance company is responsible for backing the annuity’s guarantees.
Contract Owner/Annuitant:
These usually are the same person, but they can be different. The owner makes decisions about the annuity, such as who the beneficiaries are. The annuitant is the person whose life expectancy is used to calculate […]

By |July 10th, 2014|Articles|0 Comments

Understanding the Basics

A fixed index annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future.
How a Fixed Index Annuity Works
Most fixed index annuities have two phases: […]

By |July 10th, 2014|Articles|0 Comments

It’s Time to Rethink Retirement

In recent years, the financial markets have experienced extreme swings. This historic volatility combined with the limited availability of traditional retirement income sources, such as defined benefit pension plans, have placed a greater responsibility on Americans saving for their future.

With this greater responsibility comes a need for financial solutions that can help provide a new […]

By |July 10th, 2014|Articles|0 Comments


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