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Social Security - Timing Is Everything

For clients who want to retire early, consider an income-focused indexed annuity.

Your clients can claim Social Security as early as age 62, but waiting until full retirement age means a bigger payout. Offer a solution to close the income gap.

Once your client reaches full retirement age, Social Security benefits increase by 8% each year they delay until age 70 (if born after 1943).¹ See what the Social Security Administration says about the best time to start receiving retirement benefits.

Bridging the Gap

An income-focused fixed index annuity (FIA) with an Income Benefit Rider (IBR)

can help your clients delay their Social Security start date by providing guaranteed lifetime income to get them from early retirement to age 70. 

Plus, they can benefit from upside growth potential, downside protection, a guaranteed minimum rate of return and tax advantages. 

For Illustrations and more information contact 3 Mark Annuities at 281-269-2371 or by email at [email protected].

¹ “Delayed Retirement Credits”; Social Security Administration;  https://www.ssa.gov/benefits/retirement/planner/delayret.html; accessed March 25, 2025.