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Expect to Live More (ELM)

Welcome to elmannuity.com!

ELM Income Group^sm established this website to help individuals make more informed decisions about protecting their retirement assets and creating retirement income payments.

Learn

Recent studies would suggest that, for some people, some retirement assets should be placed in a fixed annuity that protects assets and offers guaranteed income for life. The studies are described here and their message summarized in plain language (as plain as we could make it!).

Explore

We invite you to explore this site at your own pace. Please take the time to understand the provisions of the two fixed annuities we helped to design with our insurance company partners — the ELM^sm Income Annuity and the ELM^sm Index Annuity. You may find that the advantages in using a portion of your retirement assets to buy these fixed annuity products are helpful to you. When you are ready to consider buying, first look at the decision guides in each product tab. They will help you with the conversation you’ll have with the customer service center. The guarantees and protections discussed throughout this website are based on the claims-paying ability of the issuing insurance companies.

Call

ELM annuity products may only be purchased from the issuing insurer using the toll free numbers listed below. Call those numbers when you are ready to consider a current quote or simply desire to talk with a customer service representative who can help you with your questions. Elm’s purchase process helps lower marketing costs which generally increases the competitiveness of the interest rates and the income benefits offered by the ELM fixed annuities.

You may also receive pricing information by clicking the link to the insurer’s website for ELM products.

Please call the toll-free number for the product in which you are interested. You will be speaking to a qualified, customer service representative.

Elm Income Annuity is issued by Principal Life Insurance Company, a member of the Principal Financial Group®, Des Moines, IA 50392. ELM Income Group is not affiliated with any member of the Principal Financial Group.

Nationwide® is not affiliated with either the ELM Income Group or the Principal Financial Group, or any of their subsidiaries.

ELM Index Annuity is issued by Nationwide Life Insurance Company, Columbus, Ohio, a member of Nationwide Financial®. ELM is a service mark of the ELM Income Group, Washington, DC.

Nationwide, Nationwide Financial, the Nationwide framemark, and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company.