Guarantees
The product offers three optional guarantees, each and all designed to meet specific circumstances and needs.
For certainty over retirement income, the secure capital option guarantee ensures your clients always get back the amount they initially invested,plus it offers the opportunity to lock-in investment gains at selected intervals.
Who is it suitable for?
- Clients seeking investment growth with certainty
- Clients looking to buy an annuity later on
- Clients looking to secure their original investment amount
- Clients wanting more exposure to equities without the downside risk
The deferred secure income option allows clients to guarantee a minimum future income on retirement and watch it rise by at least 3% each year during the deferred period.
Who is it suitable for?
- Clients looking to take a retirement income sometime in the future
- Clients wanting to keep their retirement funds invested
- Clients wanting to know that their minimum retirement income will be in the future
The immediate secure income option allows your clients to guarantee their minimum income right from the start and benefit from market growth at selected intervals.
Who is it suitable for?
- Clients looking for an immediate retirement income
- Clients seeking more flexibility than an annuity
- Clients who want the security that their income is guaranteed
- Clients wanting the option of a lump sum death benefit
Every guarantee also provides a valuable guaranteed minimum death benefit.
What's different about our guarantees?
The idea of guarantees is not new, but ours are different. Traditional guarantees protect capital by limiting
exposure to equities, which restricts the growth potential. MetLife's guarantees enable your
clients to benefit from growth potential by allowing them to chose their level of exposure to equities.
By using derivatives as an insurance policy against market falls, your client's original investment or income is secure and over time clients can lock in potential gains, so increasing the guaranteed amount.
Please refer to the for more details and suggestions on how to explain the benefits of the MetLife Retirement Portfolio to your clients.
Want to offer your clients a guaranteed income for life which can never go down?
The following video illustrates how MetLife's guarantees can do just that, whilst also delivering the potential for growth.
