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GIVE YOURSELF A LIFETIME GIFT

summit financial advisors blog

A message from the Summit Financial Advisor Program

Whether you’re a meticulous planner or a last-minute shopper, you probably spend a lot of time and money on holiday gifts for the friends and family who mean the most to you. Perhaps you travel to visit your grandchildren, or take a much-needed holiday vacation. But have you thought about what the holidays will be like after you retire?

If you’re like many Americans, you worry that the money you’ve worked hard to save for retirement might run out. You expect to live many years – decades – in retirement, enjoying every special holiday season with those you love the most.

Add yourself to your shopping list.

This holiday season, it’s time to buy one extra gift: a gift for you. With a MEMBERS® annuity, you can buy yourself – or you and your spouse – a gift that lasts for the rest of your lifetime. MEMBERS Future Income Annuities and Single Premium Immediate Annuities guarantee that your retirement saving lasts as long as you do. When you purchase a MEMBERS annuity, you give yourself a “paycheck” every month during retirement. So your savings never run out, and you can pay for holiday gifts and travel.

Make sure every holiday season to come is as special as this year. To learn more about these and other retirement planning options, contact a Summit Financial Advisor located at Summit Credit Union at 800-236-5560.    

All guarantees are backed by the claims-paying ability of the issuer. Withdrawals may be subject to surrender charges, and may also be subject to a market value adjustment (MVA). Withdrawals of taxable amounts are subject to ordinary income tax, and if taken before age 59½ may be subject to a 10% federal tax penalty. If you are considering purchasing an annuity as an IRA or other tax-qualified plan, you should consider benefits other than tax deferral since those plans already provide tax-deferred status. The company does not provide tax or legal advice. Contact a licensed professional. MEMBERS Insurance & Investments and MEMBERS are marketing names for the products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERSâ is a registered trademark of CMFG Life. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity and insurance products are issued by CMFG Life, 2000 Heritage Way, Waverly, IA 50677. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Base policy forms ICC13-DIA, ICC13-DIA(B), 2013-DIA, 2008-SPIA-LO and 2008-SPIA-DB.

MFA, SPIA-1306103.1-0915-1017 
© CUNA Mutual Group 2015