None of your clients have a crystal ball to show how their retirement will play out. The smartest retirement plan prepares clients for both the expected and the unexpected, particularly when they are closer to retirement and have less time to recover. Target Growth 10 is an accumulation-focused fixed indexed annuity that offers:

• Growth opportunities:

  Access to world-class index strategies from S&P, Morgan Stanley and First Trust/Barclays and RBA, and a fixed account, so clients can diversify.

• Downside market protection:

  Gains are locked in each year, meaning clients can't lose any of their payments or any credited interest due to market downturns or sudden market swings.

• Secure and stable:

  Built-in GMAV feature guarantees the account value will be at least 125% of the initial payment less any withdrawals, at the 10th anniversary, regardless of index performance.

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