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A combination of growth potential and retirement income protection — at a low cost.1

Help your clients plan for the retirement lifestyle they imagine by choosing a product that offers growth potential and retirement income protection. Great-West SecureFoundation® Smart Future provides an innovative approach that can help put both sides of the financial equation in balance.

Great-West SecureFoundation® Balanced ETF Fund issued by Great-West Funds, Inc.,2 serves as the vehicle for allocating your clients’ assets before and during the time they plan to receive retirement income payments. This, along with the Great-West SecureFoundation guaranteed income benefit (“guarantee”) issued by Great-West Life & Annuity Insurance Company (GWLA), seeks to address some of their most pressing ”What if … ?“ concerns. This is GWLA’s promise to pay subject to the terms and conditions of the annuity and the claims-paying ability of GWLA.

Growth Potential

  • Benefit when the market goes up. The Great-West SecureFoundation® guarantee lets your clients build assets by locking in any gains on their benefit base on the anniversary date (Step-up/ratchet date) to a higher value — and may ultimately increase their future retirement income payments.3
  • Protect your clients’ benefit base in down markets. Once their benefit base is locked in, their guaranteed annual withdrawal amount can never be reduced due to declines in the stock or bond markets.4,5

Retirement Income Protection

  • Lock in your clients’ benefit base and protect their retirement income level, which is backed by the commitment of an established, financially strong insurance company.
  • Guard your clients’ purchasing power with a guaranteed annual withdrawal (GAW) amount that may be adjusted based upon the 10-year Treasury bond yield that can increase their retirement income to help offset the effects of inflation.

The latest innovation that to help protect retirement income

Great-West SecureFoundation® Smart Future lets your clients participate in potential gains in the equity and bond markets, as well as take advantage of an insurance benefit that can give them a guaranteed retirement income stream for life.

The growth potential of a mutual fund that invests in ETFs from providers like Vanguard® along with the promise of retirement income payments for life will complement one another.

An Innovative Low-Cost Approach

  • Growth potential from a mutual fund that invests in ETFs
  • Great-West SecureFoundation® Balanced ETF Fund

A Traditional Time-Tested Strategy

  • Steady retirement income payments guaranteed for life
  • Great-West SecureFoundation guarantee

Advisor Literature

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Disclosure Documentation

Let Great-West be your guide.

Call 1-877-723-8723.

1 Compared to other variable annuities with guaranteed lifetime withdrawal benefits (GLWBs). Source: IRI Annuity Fact Book, “Fees Associated with GLWB and GMIB,” April 2013.

2 The Great-West SecureFoundation® ETF Fund is not an exchange-traded fund (ETF), instead it is an asset allocation fund that invests in underlying ETFs, which are typically open-end investment companies or unit investment trusts. This Fund is managed by Great-West Capital Management, LLC (GWCM) and invests primarily in exchange-traded funds (ETFs) managed by The Vanguard Group, Inc. The Vanguard Group, Inc. is not affiliated with Great-West Funds, Inc., Great-West Capital Management, LLC.

3 The benefit base is used to calculate the GAW amount and has no monetary value.

4 Excess withdrawals can deplete the covered fund value and affect the potential GAW amount.

5 The GAW amount is the amount on which the guaranteed retirement income level is based.