Creative Benefit Concepts

	Answers:*
	A.	Approximately 20-30%. Over 70% believe they won’t have enough money at retirement. Of those between the ages of 30 and 54, almost 80% feel this way.

	B.	Time—How much time is available to save money and earn interest. Money—How much can be saved. Return—What return can we get on our money and what risk are we willing to accept.

	C.	401(k) Plans are typically less expensive for employers to maintain than pension plans.

	D.	50 years old.

		Close.

	Do You Know…
	A.	What % of Americans believe they will retire comfortably?

	B.	What are the three most important factors that determine retirement success?

	C.	Why are 401(k) Plans more attractive to employers than other pension plans?

	D.	At what age are employees allowed to make “catch up” plan contributions?

	Click Here for Answers.

American United Life Insurance Company® (AUL), is licensed and authorized to conduct life insurance business in every state of the United States, except New York, Creative Benefit Concepts, LLC (CBC) has agents who are licensed and authorized to conduct life insurance in MD, DC, VA, NC, FL, TX, NV, DE, CO and PA. CBC also has agents who are licensed and authorized to conduct securities related business in MD, DC, VA, NC, FL, TX, DE, CO and PA. This website is in no way to be construed as an offer for the sale of insurance or securities products in unauthorized states or countries.

Securities offered through OneAmerica Securities, Inc. Member FINRA, SIPC, a Registered Investment Advisor, P.O. Box 1984, Indianapolis, IN 46206, 317-285-1877. CBC is not an affiliate of AUL OneAmerica Securities and not a Broker/Dealer.

*Source: (A) Social Security Administration, The Office of Policy, Income of the population 55 or older 2004, table 3.1; released May 2006; (B) Profiles & Professional Software, version 7.6.40.36 8/2/2007; Financial Profiles Inc.; (C) www.plansponsor.com (D) www.irs.gov, IRS online resource guide