"I know that I need to save and invest for my future. I want to make sure I'll be comfortable in the years ahead."

"I want my own personal savings for a retirement plan. One that I won't lose even if I change jobs."

"Retirement is still years down the road. We'd like to protect our investments from taxes as long as we can."

You work hard and make sacrifices, taking care to set aside money for a secure retirement. But can you be sure you're getting the most from your retirement funds?

With a Woman's Life Insurance Society Traditional Individual Retirement Annuity, you can have a steady, reliable source of income in your retirement years -- a guarantee that you will not outlive your retirement dollars.

It is estimated that most Americans will need at least 80% of their peak annual income to retire comfortably. Put simply, this means that to keep your current lifestyle after retirement, you will need 80% of what you're earning right now.

Because women tend to outlive men, we need to accumulate a larger retirement fund or face the risk of outliving those retirement dollars. Women need to plan early ... in our most productive earning years ... to be able to establish a sizable nest egg and have a comfortable lifestyle in retirement. Woman's Life understands your special concerns and offers you a realistic way to prepare for the retirement years you look forward to throughout your working life.

Your Woman's Life Traditional IRA will earn a consistently competitive rate of interest, which means that through the years, your account value will grow dramatically beyond what you actually deposit. The current interest rate is not guaranteed and can go up or down, depending on the market conditions, but your money grows faster than a regular bank account because the interest you earn is not taxed until it is withdrawn. And, in most cases, your income tax rate will be lower at retirement.

Many women are eligible for IRA deductions which can result in income tax savings today. This means that, subject to limitations, amounts you deposit into your IRA can be subtracted from your income for the purposes of income taxes.

If you, and your spouse if married, are not covered by a retirement plan at work, you may be eligible to take a full deduction for contributions made to your IRA. Even if you and your spouse are covered by a retirement plan at work, you may still be able to deduct all or a part of your contributions, depending on your income and, if married, your spouse's income.

Contact us for a general explanation of these IRA deductions rules. You should consult your advisor or legal counsel for specific advice and information regarding their individual situation. Neither Woman's Life Insurance Society®, nor any of its representatives may give tax or legal advice.

In addition to the potential tax deduction and the chance to accumulate a significant retirement nest egg, you have other important advantages with a Traditional IRA from Woman's Life.

Some IRA plans add a service charge each time a deposit is processed. There are no service charges on your Traditional IRA with Woman's Life.

Some plans also charge a yearly fee (sometimes up to $50). With a Woman's Life IRA, there are no fees.

This means that every dollar you invest in a Traditional IRA with Woman's Life works for you towards your retirement.

You can withdraw a portion of your investment, or all of it, at any time. There are surrender charges during the earlier years.

Also, a death benefit equal to your current accumulated value is paid to your beneficiary if you die before the certificate matures.

To make sure you don't get bogged down in bookkeeping, you'll receive an annual statement of your account, showing your plan's current status. And, when you choose to receive your benefits, your IRA offers a broad range of payment options. You can receive your investment in one lump sum, or stretched out as guaranteed income for life; you decide what's best for you and your family.

Because Woman's Life is especially concerned with the needs of women, our annuities have been designed to help women manage their financial futures easily and affordably. For as little as a $25 monthly contribution, you can start your Traditional IRA. You may contribute less than the maximum amount each year, make several contributions of different amounts per year, or you may even skip a year or more. You can personalize your contributions to meet your needs. For more details concerning the contribution limits for IRAs, please access the links below to the IRA Fact Sheets. Contact us to find out if you qualify.

  Flexible Premium Deferred Annuity

  Single Premium Deferred Annuity

  Intuitions Five Single Premium Deferred Annuity

  Intuitions Flexible Premium Deferred Annuity

*Not available in all states

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IRA Fact Sheet

Traditional IRA vs. Roth IRA Fact Sheet