Roll That 401k

Did You Leave a 401(k) Behind at an Old Job?

There are now over 31.9 million “forgotten” 401(k)s holding about $2.1 trillion in retirement savings.

Most old 401(k)s are fully exposed to the next market downturn. With a simple rollover, you can protect your savings from losses, receive an upfront bonus credit, and turn it into a predictable,

tax-deferred lifetime income.

Check If Your Old 401(k) Qualifies For a Protected Bonus Annuity...

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✅ No cost, no obligation 15-minute call.

✅ We never move a dollar without your approval.

✅ You’ll see all pros, cons, fees, and options in plain English.

We help you rescue your abandoned 401(k) and roll it into a principal-protected annuity with:

✅ Potential up-front bonus credits on eligible rollovers.

✅ Protection from market losses.

✅ Guaranteed lifetime income options for you (and your spouse).

✅ Tax-deferred growth and a death benefit for your beneficiaries.

Stop letting your old employer and Wall Street control your forgotten money.

How the 401(k) Rescue Plan Works

Most people change jobs several times and leave at least one 401(k) behind. Over time, these

“orphan accounts” can quietly bleed away in fees, poor options, or employer decisions you never see.

Step 1:

Locate & Review Your Old 401(k)

✅ Locate: We help you track down old plans and balances you may have forgotten about. (The average lost 401(k) now holds about $66,691.)

✅ Assess: We review fees, performance, risk level, and how exposed your money is to the next market downturn.

✅ Recover: We help you uncover old employer plans you may have forgotten about, and show you exactly how much money is being left unprotected right now.

Step 2:

Design Your Protected Income Plan

✅ Compare: We show how rolling over your old 401(k) into a fixed indexed annuity or similar product can provide principal protection with upside potential tied to a market index.

✅ Bonus Potential: Some annuities offer bonus credits on qualifying rollovers (often in the double digits) as part of the income-benefit base, in exchange for certain caps, fees, or holding periods.

✅ Optimize: We run side-by-side comparisons so you can see how your forgotten 401(k) performs now versus how it could grow when protected, boosted, and structured for lifetime income.

Step 3:

Lock In Lifetime Income & Benefits

✅ Guaranteed Income Options: Turn your old 401(k) into an income stream you cannot outlive, with optional spousal continuation so your partner isn’t left unprotected.

✅ Tax-Deferred Growth: A direct rollover keeps your money growing tax-deferred; you don’t owe taxes at rollover—only when you eventually withdraw income.

✅ Beneficiary Protection: Many annuities include a death benefit, so the remaining value can pass to loved ones rather than disappearing back into a plan or employer account.

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WHY RESCUING YOUR FORGOTTEN 401(k) Changes Everything

Why Leaving Your 401(k) Behind Is So Expensive

Forgotten 401(k)s aren’t just “loose change.” They’re a major leak in America’s retirement system:

✅ Roughly 31.9 million left-behind accounts.

✅ About $2.1 trillion in forgotten assets.

✅ Potentially hundreds of thousands of dollars in lost future growth per person.

Stop Losing Control to Old Employers

When you leave a job, your old employer and the plan provider decide fees, investment menus, and rule changes, not you. You’re not checking statements, and nobody is actively managing your retirement goals.

Protect Your Principal From Market Crashes

A suitable fixed indexed annuity can shield your 401(k) rollover from market losses while still giving you a chance to earn interest based on an index. When the market drops, your protected value doesn’t.

Trade “Hope” for Guaranteed Lifetime Income Options

Traditional 401(k) investing says, “Save, invest, and hope it lasts.” Annuity income riders can turn that balance into guaranteed income for life, no matter how long you and your spouse live.

Keep Uncle Sam Waiting (Legally)

A direct rollover from a 401(k) to a qualified annuity keeps your money tax-deferred. You avoid immediate taxes and penalties as long as funds move directly from plan to annuity and follow IRS rules.

Build a Legacy Instead of Leaving a Mess

If you pass away, many 401(k)s just become another administrative headache. Annuities with death benefits can streamline how money passes to your beneficiaries and can keep part of your retirement plan focused on family, not the former employer.

Stop Fees From Quietly Eating Your Future

Old 401(k)s often charge layered, unmanaged fees that drain your account year after year. A rollover can eliminate unnecessary costs and shift more of your money toward protected growth and lifetime income.

OLD 401(k) VS. 401(k) RESCUE PLAN

See the difference between hoping your forgotten account is okay… and knowing you’ve locked in protection and income.

Old “Forgotten” 401(k)

❌ You rarely log in or review it.

❌ Employer and plan provider control fees and investment menu.

❌ Fully exposed to market downturns and sequence-of-return risk.

❌ No guaranteed lifetime income.

❌ Easy to cash out and pay taxes/penalties if you get scared or laid off.

401(k) Rescue Annuity Strategy

✅ You control where your old 401(k) lives.

✅ Principal protection from market losses on the annuity value.

✅ Potential bonus credits on eligible rollovers, in exchange for defined terms and caps.

✅ Lifetime income options for you and, in many cases, your spouse.

✅ Tax-deferred growth with a clear written contract spelling out all guarantees and fees.

You left a job five years ago with a 401(k) you hardly think about. It’s invested in target-date funds and rides every market swing. With a 401(k) Rescue Plan, you can roll that balance into a principal-protected annuity, potentially receive bonus credits on the income base, and set up lifetime income that doesn’t vanish if the market crashes right before you retire.

FAQ: COMMON QUESTIONS ABOUT ROLLING AN OLD 401(k) INTO AN ANNUITY.

Common Questions About the 401(k) Rescue Strategy.

Is there a tax bill when I roll over my old 401(k) into an annuity?

When done as a direct rollover from the 401(k) plan to a qualified annuity, there’s typically no tax due at the time of rollover. Your money continues to grow tax-deferred, and you pay tax later when you take withdrawals, subject to IRS rules.

Are those “25%+ bonuses” real or just marketing hype?

Some annuities do offer up-front or income-base bonus credits, sometimes in the double-digit range, but they always come with trade-offs—such as longer surrender periods, specific payout structures, caps, or fees. The bonus is part of the overall contract design, not “free money,” so we walk you through exactly what you’re getting and what you’re giving up.

Is my money still in the stock market after I roll it over?

In a fixed indexed annuity, your principal isn’t directly invested in the market. Instead, your interest is credited based on a market index with a floor that protects against losses, subject to caps or participation rates.

What if I need access to my money?

Many annuities allow penalty-free withdrawals up to a certain percentage each year and offer additional liquidity for specific events (like nursing home care or terminal illness), subject to contract terms. We’ll only show options that match your time horizon and liquidity needs, and we’ll go over all surrender schedules before you decide.

Can this protect my spouse too?

Yes, many income riders can be structured as joint life, meaning payments continue as long as either you or your spouse is alive. This can create a more predictable income floor for both of you in retirement.

What happens to the annuity when I pass away?

Depending on the product, a remaining account value or guaranteed death benefit can pass to your beneficiaries. The exact details depend on the contract you select, so we show you those options up front and in writing.

Is this right for everyone?

No. Rolling an old 401(k) into an annuity is a strategy, not a one-size-fits-all solution. It’s usually considered by people who value principal protection, predictable income, and legacy planning more than chasing maximum market returns. That’s why we start with an educational review—not a sales pitch.

Don’t Let Your Old 401(k) Become Someone Else’s Profit Center!

There are now tens of millions of forgotten 401(k)s quietly sitting at old employers. For many people, reclaiming and repositioning just one of those accounts could be the difference between hoping you’ll be okay and knowing you’ve locked in income for life.

***Disclaimer: This information is for educational purposes only and is not individualized tax, legal, or investment advice. Annuities are long-term products designed for retirement. Bonuses, guarantees, and income features are subject to the claims-paying ability of the issuing insurance company and vary by product and state. Bonus credits, income riders, and principal protection may involve additional fees, restrictions, and surrender charges. Distributions from qualified annuities are generally taxed as ordinary income and may be subject to a 10% additional tax if taken before age 59½. Always consult with your tax advisor and review the actual contract before making any decisions.

*All time and interest savings examples, wealth building examples, and rates of return on this site are strictly hypothetical. Individual time and interest savings amounts and wealth-building possibilities are subject to individual qualification. Individual qualification required. No Financial Advice or recommendations have been made as part of this site.

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All insurance and financial products referenced — including Mortgage Protection (MP), Return of Premium (ROP) Term Life, Infinite Banking (IBC), Indexed Universal Life (IUL), Guaranteed Life (GL), Annuities, and Term Life Insurance — are subject to underwriting approval and state availability. Not all applicants will qualify for every program or product. Coverage amounts, rates, and refunds depend on factors such as age, health history, lifestyle, and carrier eligibility. Benefits and features vary by product and carrier.

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