Mr. Venus Macatangay Reyes
Business Owner / Insurance Producer
The IRA contribution limits for 2023 are $6,500 for those under age 50 and $7,500 for those 50 and older. For 2024, the IRA contribution limits are $7,000 for those under age 50 and $8,000 for those age 50 or older.
Note: Always consult with your own CPA or Tax Preparer
Start Accumulating for successful retirement with maximum growth opportunity.
For Better Retirement, use our Guaranteed Lifetime Income, that you cannot outlive. This product also offers the opportunity for increasing income to help fight inflation.
New Income Product - A+ Carrier! with LIVING BENEFIT and HIGH Withdrawal Rates. Call us for immediate rollover.
Income is available immediately ( 30 days after issue )
Level or Increasing Income is available.
Why choose Fixed Indexed Annuity?
Annuities provide insurance against the risk that you’ll outlive your money after you retire. They give you the potential to grow your savings and create a guaranteed stream of income to last a lifetime.
Looking for a product that can adapt with your retirement needs? Athene Agility
A single premium fixed indexed deferred annuity is a long-term retirement savings product that can help protect you from outliving your money. It’s a contract between you and an insurance company. In return for your money, or “premium”, the insurance company agrees to provide certain benefits.
When you put money into an Athene fixed indexed deferred annuity, you create something that can grow over the years, and then, at a later time, can pay you an income for a period of time, even for a lifetime.
Athene Agility is a fixed indexed annuity. It adapts to your needs whether for growth, income or help with the unexpected. It gives you the flexibility, security and confidence to reach for the retirement of your dreams.
Growth potential and protection
You can rely on growth that is protected from stock market risk or losses. While it’s possible to earn zero interest if the market declines, you’ll never earn less than zero. Any interest you earn is “locked in” and can’t be lost to future downturns. You are not directly investing in any index or stocks.
You can receive a guaranteed “retirement paycheck.” When you’re ready, you can create a stream of income that may grow throughout your retirement years.
Financial flexibility if the unexpected occurs
You have access to your money when you need it most. Plans can change, especially when the unexpected happens. Athene Agility’s liquidity and income features can help make sure you’re prepared.
Leave a legacy
Your annuity can offer your loved ones a quick source of funds to settle matters after your death. Even when you are taking Lifetime Income Withdrawals, your Benefit Base may continue to grow. Your beneficiary may choose either your annuity’s full Death Benefit in a lump sum or the Benefit Base, paid out equally over the currently declared Rider Death Benefit Payout Period.
It is time to protect yourself and your family, incase something unexpected to happen.
Protect your Lifetime Income From An Annuity and helps Cover Your Essential Expenses. So You Can Live The Life You Want.
"Don't Just Plan To Retire. Plan To Live."
We hope we can help protect you and your family.
Venco International Inc.
dba. Venco International Insurance Service
Please contact us immediately if you want immediate Increasing Lifetime Retirement Income without participating in a down market.
In my opinion, this is the time to Rollover to ANNUITY, your hard earn retirement money, like 401K, 403B, SEP or any government approved programs, due to market volatility. Annuity, can protect your hard earn money from market volatility, because, Annuity have a floor of zero, meaning it does not participate in down market. You are protected from uncertainty, that means you will be avoiding financial hardship. We have a FIDUCIARY duty / relationship to all our clients. Is your leader a Fiduciary, If you are not satisfied with your organization, we want to hear from you. God bless and protect us always.
Call us TODAY, for FREE Annual review or upgrade of all your existing policies.
SAVE Y0UR 401K, 403B, INDEX IRA or INDEX Roth IRA TODAY! Thank you!!
Don’t let “Social Distancing” come between you and your clients!
To all Insurance Producer / Field Marketing Directors and Clients, who wants to be educated more about our products, is to simply reach us and make an appointment. Thank you.
Create your own Lifetime Income Protection with built in Living Benefits.
Interest Crediting Strategies to choose
Fixed Rate - Is a type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contribution to the account. By contrast, a variable annuity pays interest that can fluctuate based on the performance of an investment portfolio chosen by the account's owner.
CAP - The interest crediting rate CAP MAXIMUM is between 2.0% to 7.0% depending on the product. If the INDEXED generate than the CAP, the maximum crediting rate is based on the CAP. A series of negative return on the INDEX can generate a 0% interest crediting rate to the policy. For example, if your annuity has annual cap rate of 7% and the underlying benchmark index grows by 10% that year, your annuity will be credited with maximum of 7%.
PARTICIPATION RATE - The gains from the index are credited to the policy based on a percentage rate, referred to as the Participation Rate. The rate is set by the insurance company and can be anywhere between 50 to 100%.
SPREAD - Annuity spreads are the percentage that is subtracted from the index change before interest is calculated. For example, if the applicable index gained 10% and the spread fee was 2%, then the gain credited to the annuity would be 8%.
FINAL EXPENSE IS ALSO AVAILABLE:
Best to use for the following conditions:
Major Health Issue: Use Mutual of Omaha Insurance
Without Health Issue: Use AIG or Gerber Insurance
Excellent Health: Use Oxford Insurance
For Annuities, we have number of carriers that offers, an Investments, like Fixed
Index Annuity that will PROTECT your PRINCIPAL from downward market and
gives you a Guaranteed Lifetime Income Withdrawal.
We focused on providing high quality services and customers satisfaction.
We will do everything we can to meet your expectation."
You can grow your retirement nest egg despite of uncertain markets and protect your family from FINANCIAL HARDSHIP. You can do it all with one insurance policy, the one that's right for you.
Single Biggest Benefits in the TAX Code:
IRC #101 Death Income is TAX FREE
IRC #72e Growth TAX FREE
IRC #7702 Access your money TAX FREE
INVITE US, we do Home and Office seminars, so we can discuss your Alternative to 401K and to secure you existing 401K from market volatility.
Indexed Universal Life Benefits:
Guaranteed not to participate in Stocks Market Losses ( If the market goes down, zero gain not Negative )
Money is Liquid. ( You can access your money prior to 59-1/2 without penalty )
No Market Risk and No Tax Risk
Tax Free Growth
Do Not Pay Income Tax during retirement
Tax Free in Death Benefit ( Goes to Heirs, Pay Debt, etc.)
Mirror the Growth of S&P 500
Living Benefits ( Accelerate Death Benefit, Value Anytime when Critical, Chronic, Terminal Illness)
Extend Retirement without outliving your retirement money.
Move your money from Account that are Forever Tax to Account that Never Tax
For Educational purposes only!
Below are from YOUTUBE Footages.
What are annuities?
Annuities are insurance contracts that make regular payments to you either increasing immediate income or at some point in the future. You can purchase an annuity to help grow or protect your retirement savings or provide you with guaranteed income for LIFE.
A. Provide clients upside potential as well as downside protection.
B. When "lightning strikes" the Power of Zero protects clients who have Index Annuities.
C. Minimum Guaranteed retirement income you can't outlive.
D. Safeguard your principal and interest even in a down market
E. Guaranteed Interest UP TO 12% of your Income Value, plus Bonuses in some carriers.
F. Double your INCOME VALUE in 10 years and the ACCOUNT VALUE is protected from down market
G. Double you Required Minimum Distribution (RMD)
Find out what an ANNUITY can do for you.
Need more Income in Retirement with AIG, ATHENE and F&G. Call for more information.
Build a retirement, that will gives you an increasing income that you will not outlive.
Rollover your 401K, 403B or SEP, etc. to ANNUITY
using the product below:
1. How Does - Increasing Lifetime Income Plus Multiplier Flex work?
The Power Select Plus Income Index Annuity with the lifetime Plus Multiplier Flex guaranteed living benefit (GLB) rider
guarantees your income for life and offers two ways to increase this income. The LIfetime income is available at
contract issue. Once you activate the rider and take lifetime income withdrawals, your retirement income can contimue
to grow with annual income credits.
Your retirement money is safe because of the Zero-based floors. This floor of zero, is valuable when interest rates are
falling, because when the market is negative you will not participate. ZERO floor is a HERO.
2. How Does Safe Income Plus Annuity work?
There are Four Interest Crediting Options (Subject To Cap/Declared Rate) the Four of the five interest crediting options in
your annuity will potentially earn interest based on formulas in part linked to changes in an index. These are subject to a
limit or cap rate:
Indexed Interest Crediting Options: Minimum caps/spreads. Each interest crediting option has minimum caps.
These are the lowest rates could be set at each crediting option anniversary.
One-year monthly point-to-point with a cap. Minimum cap per month: 1%
One-year annual point-to-point with a cap. Minimum cap per year: 1%
One-year monthly average with a cap. Minimum cap per year: 1%
Point-to-point Fixed Declared Rate on Index Gain Crediting Option. Minimum declared rate: 1%).
You choose which Interest-Crediting Options you wish to participate in. With respect to the indexed interest crediting options, interest, if any is credited on each indexed crediting option’s anniversary and, because indexed interest will never be less than 0%, your ACCOUNT VALUE will increase between 1 to 3%, but it will never go negative, due to a declining index. ZERO is our HERO.
Fixed Interest Option. The initial interest rate is GUARANTEED for one year, and the rate thereafter is declared in advance and guaranteed in one year increments. The rate is guaranteed never to be less than 1%
Note: Anyone can roll over a 401(k) to an IRA or from a new employer's 401(k) plan when leaving a job. Depending on your plan's policies, you might be able to make the rollover while you're still with the company. Unlike a post-job rollover, your plan doesn't have to allow in-service rollovers, but many many companies do.
ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT PRIOR NOTICE. CONSERN ACCESSIBILITY STATEMENT