Today, more than ever before, assuring financial security at retirement is one of the greatest challenges facing American workers. With uncertainty over the adequacy of Social Security to meet the needs of future retirees, Americans now and in the future will be forced to rely more heavily on their own resources to support their retirement lifestyle.

At the same time, the world of employer-based pensions is changing. Much less common today is the employer-sponsored defined benefit plan, the kind of plan that assures former employees of a dependable income throughout their retirement years. The pension world is changing to one in which employees must make the decision to save for retirement. And, even when an employer plan is available, employees may be required to make most or all of the contributions.

• Fixed rate Individual Retirement Annuity
• Fixed rate IRA with High Interest Option
• Variable Annuities available - contact us for information

• Independence - can be opened and funded without any employer participation
• Earns a competitive interest rate, click here for additional information.
• Immediate tax benefits - with contributions and/or earnings tax-deferred until retirement
• Accessibility - funds always available, something not generally true of employer plans
• Flexibility - there is no minimum contribution in any year, however, the maximum contribution is the lesser of 100% of your earned income or $4,000 for years 2005-2007, and $5,000 for 2008.
• If you are 50 years of age or older, you may contribute an additional $500. You may begin taking advantage of this increased limit in the tax year you attain age 50.

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The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.