The economic meltdown has caused heartburn for many of your current or soon-to-be retired clients. How does one plan for lasting retirement income when uncertainty abounds? With their back-to-basics simplicity, income annuities (also called single premium immediate annuities or SPIAs) may be the product to settle the nerves of today's retiring class.

Fixed annuities were among the first products that clients jumped to as the markets declined and they sought shelter and stability. Today, with fixed rates on the decline, income annuities are well-positioned to help provide the simplicity and guaranteed income clients continue to seek.

Why income annuities?

• With a lifetime income option, your clients can never outlive their income.
• Payments are guaranteed, regardless of market volatility.
• No investment management is necessary. No concern with market performance.
• With direct deposit, payments are delivered on time, no matter where clients are, and without worry about lost or stolen mail.

Our Symetra Advantage Income Immediate Annuity features competitive rates for your clients and consistent commissions for you. It provides a wide range of options that make it an attractive product, including:

• The opportunity to choose the frequency and duration of payments.
• Advance Access¹, allowing clients to take up to 30 percent of the value of future annuity payments as frequently as every 36 months.²
• Optional annual increases to allow future income to keep pace with inflation.³
• Installment refund, available with lifetime plans, ensures that payments will continue to beneficiaries until benefits have equaled the purchase payment (optional commutation endorsement allows a lump sum⁴).
• Tax-favored income allowing clients to spread their income tax burden over time.

In this environment, simplicity sells. With income annuities, clients make their purchase, choose their options, then start receiving guaranteed income. Few insurance products are that simple.

To learn more about Symetra Advantage Income, go to www.symetra.com/advantage, or contact the Symetra Sales Center at 1-800-706-0700 or invest@symetra.com.