American Savings Life Insurance | Annuities, Not So Hard Money

Friday, January 27, 2012

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The ALF Blog
Our lending arm American Life Financial recently started a blog sharing news relavant to the real estate industry, "stories" about loans we have closed and those we chose not to close and exciting news about the Company.
Head on over to the American Life Financial Blog and take a look!
Who we are & what we do
American Savings Life has been honoring commitments for over 55 years.
We specialize in affordable life insurance and annuities that pay above-market interest rates
We also offer "Not So Hard Money" commercial real estate loans.
The PREMIER SERIES Fixed Deferred Annuity
Featuring:" Above market interest rates " A “No Load” Annuity with no administrative charges* Interest rate protection with a “Bailout” Feature* Backed by an exceptionally strong insurance company
Looking for a Better Return on Your Retirement Funds?
The PREMIER SERIES Fixed Deferred Annuity offers a safe investment
1) Guaranteed deferred tax earnings for as long as you keep the funds invested and upon the owner’s death the funds transfer to your beneficiary directly, avoiding any probate;
2) Guaranteed to earn above market interest the first year plus a “Bailout” feature protecting you against any reductions in future interest rates.
How can we pay above market interest?
American Savings Life has one of the lowest overhead costs in the industry. We do not have huge advertising budgets. Instead, our strategy is to pass these savings on to our clients through products that pay higher interest rates than the competition.
What is this “Bailout” Feature?
The “Bailout” Feature is your security that if the annuity ever pays less than the specified Bailout Interest Rate, you have the option to cancel your annuity without any surrender charges. This gives you peace of mind that you will never be “stuck” in an under-paying annuity with high surrender charges.
Financial Strength Of American Savings Life
When it comes to your retirement savings, you need a company that you can count on. With a 55 year track record, American Savings Life has an exceptionally strong balance sheet, consistent profitability, even in recessions, and most importantly, high quality assets that back up our guarantees. One of the differentiators that make American Savings Life unique from the industry is how we invest our assets. Learn More
Current Interest Rates
The first year interest rate is guaranteed. The Projected Rate is the rate we anticipate paying each subsequent year, but we may pay more or less. If we ever pay less than the projected rate, you may use the “Bailout Feature” to cancel your annuity without any surrender charges.

Youth Life Plan

$10,000 insurance for only $25 per year

Grand Slam Plan

High cash value accumulation insurance plan

Why buy from ASL ?

American Savings Life Insurance Company has been honoring its commitments to its policyholders since 1954.

The PREMIER SERIES

Fixed Deferred Annuity

The Power of Tax Deferral

Tax Deferred Retirement Saving Plan

FAQ’s About Annuities

Answers to the most frequently asked questions

Annuities Vs. CD’s

Compare pros & cons of both

Annuity Calculator

See how fast your money grows in an American Savings PREMIER SERIES Fixed Deferred Annuity

What is “Not So Hard Money” ?

Niche between a bank loan and “hard money” loans

The ALF Blog

Mortgage lending and commercial real estate news, examples of loans we did/didn't fund, company news.

Loan Product Info

Rates, terms, criteria

Loan Examples

Samples of recent loan fundings

10 Question Quick App

Foreclosure property for sale

See our current listing of foreclosure properties for sale

Vekol Valley

528 Acres of land with 1.5 miles of I-8 frontage

Legacy Ranch near Holbrook, AZ

275 Acres near Holbrook, AZ with 7 1/2 miles of I-40 frontage

Mesa office space / suite for lease

See what space is available for lease in our beautiful downtown Mesa home office.

Current Annuity Interest Rates

PREMIER SERIES 7:		Year 1 = 4.50% guaranteed Years 2+ = 4.50% projected*
PREMIER SERIES 5:		Year 1 = 4.00% guaranteed Years 2+ = 4.00% projected*
PREMIER SERIES 3:		Year 1 = 3.00% guaranteed Years 2+ = 3.00% guaranteed
Learn more about our annuities

* Projected rates have a "Bailout Feature" that if the annuity ever pays less than the projected rate, you may withdraw any or all of the annuity without any penalty.