Annuities
Nero® annuities can help meet your retirement goals by offering different levels of protection,1 opportunities for growth, and options for lifetime income.
Risk management solutions to help strengthen your financial portfolio
Life Insurance
Nero® fixed index universal life insurance (FIUL) can provide protection for your family, estate, or business’s financial well-being via a death benefit,2 while also offering the flexibility to access available cash value3 when you may need it most.
Ask your financial professional how our risk management solutions can complement your financial strategy
1 A level of protection may be provided by benefits that are either built into the contract or through optional riders at an additional cost.
2 The death benefit is generally income-tax-free when left to beneficiaries.
3 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed. Tax laws are subject to change, and you should consult a tax professional.