INDEX BONUS ANNUITY SINGLE PREMIUM DEPOSIT
Enjoy an immediate 5% bonus on your premium deposit and the ironclad guarantees of a fixed annuity.

PLUS, now you can lock in the stock market gains!

FEATURES OF AN INDEX BONUS ANNUITY PROGRAM.

Get the gains, never the losses, with this index annuity product.

ANNUAL RESET OF THE S&P500 INDEX MARKET GAINS.

Guaranteed 100% Participation in the S&P 500 index gains each year the performance is positive, up to a guaranteed minimum-for the life of the policy!

Immediate 5% Increase in Value
Absolutely NO Asset Fees.
Lump-sum Payment Option.
Free Withdrawals.

Illustration Purposes Only

The full value of your annuity is available at the end of 12 years with no surrender charges or payout options.

There are many options available and this product has the benefit of allowing you to participate in the market without the market jitters.

This is an excellent product for transfers from existing accounts that are not performing.

You do not have to ride the roller coaster to your retirement.

One of the largest insurance carriers with over $400 Billions Dollars in assets. This company generates over $50 Billion Dollars per year in new business and is rated number 2 in the world. RATINGS: AAA AND A+

FLEXIBLE PREMIUM MONTHLY DEPOSITS TO A TAX SHELTER ANNUITY
"DO YOU WANT TO RETIRE AS A MILLIONAIRE?" The TSA programs offered by our companies allow employees of Los Angeles Unified Schools and Some Non-Profit Institutions who qualify under the IRS regulations, to deposit funds on a pre-tax basis via your payroll deduction department. The 403b TAX SHELTER ANNUITY product is offered by all of our excellent companies. This method allows you to save funds on a regular monthly basis. The ability for your deposits to grow on a tax-deferred basis creates substantial amounts of funds on a compounding method. The ability to defer taxes has an exponential effect on your savings portfolio. Our T.S.A. programs offer competitive interest rates. The companies we work with are chosen on the basis of their financial returns, financial strength, and ratings. Service to our clients is of utmost importance. 

Our companies offer friendly responsive service departments. The ability to shelter money in these companies make them the envy of our society. As an educator or for non-qualified funds these programs have few rivals in the financial world.

Tax Shelter Annuities offer a convenient, tax friendly , and rewarding method to accumulate funds for your future needs. Funds are available in the form of loans which have a low net loan cost. Repayment on a regular monthly or quarterly basis is a requirement of the 403b regulations and the I.R.S.

As an educator your potential growth is determined by your desire to save both money and taxes. The effect of a monthly savings program is substantial and ,if started when you are young, can create wonderful results. Educators or staff members can also transfer funds from low yielding accounts to these companies and many do so. A full confidential review is a prerequisite for any transfers to be made.

Ask any retired teacher who started one of these programs when they were young and you will find that their retirement years have benefited from additional funds. Its all up to you. Steady financial growth with excellent interest rates is the hallmark of the annuities we represent.

Starting a T.S.A. program only requires the desire to reduce your taxes and a review of your individual financial situation. The amount you are allowed to save is based on many factors including salary, years of service, and a special Maximum Exclusion Allowance calculation. All of this information is gathered at the initial interview level.

Your benefits will accumulate to allow you to enjoy prosperity and growth.

T.S.A. LOANS ARE AVAILABLE
Tax Shelter Annuity contracts allow an annuitant to borrow money against the balance of funds they have saved. This is an excellent way to generate money for a down payment on your home. The net cost of such a loan is minimal. A loan can be taken for many other purposes and the money that is borrowed is not considered a taxable event. Payments are generally repaid monthly or quarterly on a regular basis.

Tax Shelter Annuity companies only require that you fill out a simple loan form and submit it along with a repayment schedule.

Loan amounts are determined by the amount of funds you have saved in your T.S.A. account. The maximum loan available in total is $50,000.

This maximum loan amount includes all of your TSA accounts.

Processing time for a loan varies but is approximately 7 working days. Your TSA PRO can answer more specific questions based on your situation.

Please use the link below to send your E Mail message to TSA PRO and you will get a quick response.

HOW TO GET STARTED WITH A TSA PROGRAM
Tax Shelter Annuity Programs can be started by choosing a program, filling out the paperwork and then the TSA PRO will submit all the necessary forms to the payroll department. Los Angeles Unified Schools require the paperwork to be submitted approximately 31 days prior to the start date. After submission the payroll clerk will then deduct the amount you request and send it to the Insurance Company for deposit to your individual account. The Insurance Company will then credit your deposit and send you quarterly and annual statements which will show each individual deposit and the interest earned. The payroll department will then show the amount deducted for your TSA account and you will see a federal and state tax reduction which will be determined by the amount of your savings deposit.

The TSA deduction comes right off the top of your paycheck, from your gross pay, and thus a reduction in taxes occurs.

The TSA PRO will show you specific information that is tailored to your individual needs. The confidential review will allow you to see exact calculations, based on our paycheck information, so you can see exactly how different TSA deductions will affect your paycheck.

The paycheck comparisons allow you to see specific information on how your T.S.A. program will affect your federal and state taxes. With a clear and precise presentation you can decide on a savings program that is suitable for your needs. This comparison worksheet is vital for you to decide what amount to save each month. Your savings will grow on a tax-deferred basis and allow you to have excellent yields.

E-MAIL : TSA PRO / LEON FAINSTADT