Dollar-for-Dollar Reserves
Unlike commercial banks that trade on high leverage, life insurance companies are legally required to back your principal with strict capital reserves.
Christopher Wagner
Founder, Veritas HomeLife
- Former U.S. Marine
- Former U.S. Federal Agent
Safe Money & Wealth Protection
Nobody Can Predict the Market the Decade They Retire:
Protect Your Wealth From a Lost Decade.
In your adult lifetime alone, market crashes and flat cycles created 28 lost years—years many investors have forgotten, where people waited over a decade just to get their money back.
Watch the 12 minutes briefing
Private Briefing
12 Minutes·Safe Money Strategy
- 1
15-Year Great Stagflation (1967–1982)
High inflation and a flat market steadily wiped out what people's savings could buy for 15 straight years.
- 2
13-Year Double-Punch (2000–2013)
The Dot-Com Crash followed by the 2008 crash. People who retired in March 2000 had to wait until March 2013 just to get back to even.
- 3
The 2022 Bond Market Crash
The worst drop in bond history proved that traditional "safe" investments can still lose your hard-earned money when interest rates rise.
The Simple Solution
An annuity is simply transferring risk—from uncertain market conditions and an uncertain future directly to an insurance company. It's as simple as that.
Fixed Indexed Annuities and MYGAs protect your retirement wealth with a guaranteed 0% floor—meaning when the market crashes, you don't lose a single dollar of your principal, but when the market goes up, your money still grows.
No Fake News. Just Common Sense Wealth Protection.
We are not here to tell you to take all your money out of the stock market. We wholeheartedly believe you should keep liquid cash on hand, and you should have money invested in hopes of market growth.
But you also have to protect a portion of that hard-earned wealth so a bad market decade can't wipe out your retirement.
Which portion of your wealth are you willing to leave exposed, and which portion do you want guaranteed? That is the only question that matters.
A Track Record of Unbroken Protection
While Wall Street banks collapsed during the Great Depression, tier-one life insurance companies paid every single dollar owed. Through World War II, the high-inflation 1970s, the 2000 Dot-Com Crash, and the 2008 financial crisis, contractually guaranteed annuities have never missed a payout.
Zero Market Risk
Your principal is contractually protected from market downturns, guaranteeing that your life savings stay intact regardless of economic volatility.
The Wall Street Secret They Won't Tell You
Why does your financial advisor talk bad about annuities? Simple: Follow the money.
The AUM Skim
Traditional advisors charge an annual fee (usually 1% to 2%) on your total portfolio every single year—whether your account goes up or loses money in a crash.
The Conflict
Every dollar you move into a safe money annuity is a dollar removed from their management. That is a direct pay cut to them.
Zero Management Fees
By contract, annuities cannot charge ongoing Assets Under Management fees. The insurance company protects 100% of your principal, meaning 100% of your dollar stays working for you.
When an advisor tells you to avoid annuities, ask yourself: Are they protecting my retirement, or are they protecting their monthly fee?
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