EARN $5K - $25K IMMEDIATE CASH CREDIT FOR YOUR IRA

Invest your IRA funds with a world class, major institution, and receive an up-front 5% cash bonus. That is, your investment balance will be immediately credited with a 5% bonus upon initiating this investment through an AE-Trust IRA. This investment is a type of guaranteed payment contract called "equity index annuity", or EIA. The EIA guarantees the return of all your principal, while generating typically much higher yields than the average money market fund. An optional feature is that it can give you a fixed retirement income stream which is guaranteed to last the rest of your life, no matter how long that is (see related link on left hand side of this page).

EIAs are issued by large, wealthy and heavily regulated life insurance companies, where your money has outstanding safety (see annuity brochure for specifics). The EIA guarantees to return to your IRA account 100% of your principal, plus interest which is earned. The rate of return is indexed to positive stock market results. So when the stock market has a good year (7 years out of 10 are "up" ), your rate of return will be higher. When the stock market has a losing year, which it inevitably will, your annuity is guaranteed to maintain at least 100% of your account balance through that year. That is, you are guaranteed to have no losses - ever. You get to benefit from good years in the stock market without being penalized for the bad. Using the guaranteed annuity contract, EIA, as your investment, a rate of return averaged over the life of the EIA of 6% to 7.5% would not be unusual.

The EIA described here is the "Income Select Plus" equity index annuity from American Investors Life ⁽¹⁾, offered through their licensee and agent: Accuplan Insurance and Financial Services (or whatever other annuity which Accuplan currently is providing for AE-Trust IRAs). Accuplan is the licensed agent which AE-Trust places annuity orders through, American Investors Life ⁽¹⁾ is the carrier which issues and backs the annuity.

Five Percent Bonus. According to the "Income Select Plus" brochure, this EIA will credit your account with a 5% bonus. That is, American Investors Life will increase the value of your investment by 5% on inception. So a $100,000 investment would start its life on day one with a value of $105,000, and all future growth in the annuity would be based on that $105,000. The company's brochure contains a projection of the worst case and best case scenarios for a hypothetical investor who owned the Income Select Plus for the twenty year period ending in 2005.

Note: This EIA limits the amount which may be withdrawn in the first ten years of its life to ten percent (10%) per year of the total account balance. Larger amounts may be withdrawn, but amounts in excess of ten percent per year are charged a penalty. Normally this is not a problem with an IRA because the annuity investment typically sits untouched until you retire, and then your annual withdrawals are usually far less than 10% of the value of the investment. However, if during the first ten years of the annuity's life you think you will need IRA withdrawals greater than 10% of your investment, then do not put all or any of your money in this investment.

AE-Trust will handle all the paperwork and transactions which are necessary to fully implement the EIA in your behalf, in any type account opened with AE-Trust.

To Invest In The "Guaranteed Payment Contract" or EIA, roll your existing IRA or old 401(k) over to an AE-Trust IRA account. Do this by picking the appropriate enrollment form below, and in that form you will be able to select the guaranteed payment contract or any other investment of your choice for your IRA funds:

Click Here for the AE-Trust Traditional IRA enrollment application form

Click Here for the AE-Trust Roth IRA enrollment application form

Footnote:⁽¹⁾

American Investors Life, the issuer of the Income Select Plus annuity, is owned by Aviva plc. Based in London, England, Aviva is the world's fifth-largest insurance group and the biggest in the UK. Worldwide, the Aviva group has 58,000 employees serving 35 million customers, and has more than $600 billion in assets under management. As a combined company in the U.S., Aviva has over 1,115,000 customers and 32,850 agents and distributors.