IRAdvantage Plus® for Plan Sponsors and Participants

The value of IRAdvantage Plus®

IRAdvantage Plus can help individuals continue deferring taxes on their retirement savings (e.g., from pension plans, profit-sharing plans, 401(k) plans, 457 plans, tax-sheltered 403(b) plans, or existing Traditional IRAs).* It provides several options to grow or distribute retirement savings.

How the IRAdvantage Plus series works

A conservative option to preserve tax-qualified* retirement savings that provides dependable income for a lifetime or a specified period. Designed for rollovers from tax-qualified retirement plans, this series of products offers three dynamic, contemporary products to help employees save and increase retirement income.

IRAdvantage Wealth BuilderSM – Fixed Deferred Annuity

IRAdvantage Wealth Builder℠ is a fixed deferred annuity product for individuals seeking to bridge savings needs.

IRAdvantage Wealth Builder℠, a fixed interest, individual retirement account under IRC § 408 (a), helps employees bridge the time between leaving work and when they need to access a steady stream of income. It helps provide a transitional solution, with benefits such as:

  • Competitive, guaranteed interest rates
  • Flexible maturity
  • Continued tax deferral**
  • Easy access to funds (access to up to 10 percent of the contract deposit balance annually – without an early-withdrawal penalty)

IRAdvantage Wealth Manager® – Fixed Immediate Annuity

IRAdvantage Wealth Manager® is a fixed immediate annuity for tax-qualified retirement funds. It can help employees whose principal goal is the security of guaranteed, immediate income for a lifetime or specified period.

IRAdvantage Wealth Manager®, individual retirement annuity under IRC 408 § (b), is an effective financial option to convert all or a portion of savings from an employer-sponsored 401(k), pension, profit-sharing plan, or a traditional IRA to reliable income at retirement. It offers these important benefits:

  • Immediate, regular income for life or a specified period
  • Stability – fixed annuity payments not subject to market fluctuations
  • Institutional pricing for maximized benefits at an affordable cost
  • Continued tax deferral**
  • Multiple payout options
  • Optional cost-of-living adjustment

IRAdvantage Lifestyle Select® – Split Annuity

IRAdvantage Lifestyle Select® is a split annuity for tax-qualified retirement funds. It combines a principal with steady, immediate income by allowing individuals to choose both the IRAdvantage Wealth Builder℠ guaranteed accummulation option and the IRAdvantage Wealth Manager® fixed immediate annuity.

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