Universal Union Benefits

Safety features like a CD, growth potential linked to market gains.

Millions of America’s Union members and families have savings in Certificates of Deposit (CDs). Do they do that because they enjoy lower rates of return? Or do they enjoy claiming their interest on their tax return? No. CD rates are down below 3 or 4%. Even less when you figure in the taxes due on the earnings. It's not the returns — it's the security for your savings that make CDs appealing.

Many of America ’s Union Members have some of their savings in mutual funds, often times in their 401(k) portfolio. Do they like the fact that 100% of their money in a mutual fund is at risk? No. They invest in mutual funds because of the growth potential: they are hopeful the stock market will turn around and they will see gains for the first time in several years.

Isn't there a “middle of the road” way to give your retirement savings market growth potential while maintaining security like a CD? Yes. That is precisely what you get with an Indexed Annuity.

Indexed Annuities allow you to participate in market gains with no risk of loss to your principal. For example, if you purchase an annuity based on the Dow Jones Industrial Average, or the S&P 500 you would participate in the market's upside gain. However, if the markets continue to slide, your principal would not be at risk. Very simply, Indexed Annuities allow you to combine security for your savings with the growth potential of the market.

In addition, as with all annuities, Indexed Annuities offer several other advantages, including:

Tax Deferral
Minimum Lifetime Guaranteed Interest Rate
The option to create an Income Which You Cannot Outlive

Find out how annuities might fit into your retirement planning goals.

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Who is Universal Union Benefits?

Fred Silverman, who has recently retired as a Vice-President of the Central Ohio Labor Council for the past 23 years, is a Business Agent, along with his son, Greg Silverman. Fred has worked with unions for over 25 years in providing their members with insurance, and retirement needs. Greg joined forces with Fred in 1989.
The Entire Organization Is Proud To Be Members Of RWDSU Local 379.
We are also recognized by the Union Label & Service Trades Dept. AFL-CIO

Who are the carriers for our retirement funds?

Universal Union Benefits has teamed up with many of the companies that can eliminate losses in your retirement funds. Participants are free to choose the carrier that they are most comfortable with. Some of the carriers include American Equity, with over $6.9 billion in assets, Allianz with over $1 Trillion in assets, Amerus with over $21.8 billion, and ING USA with over $31 billion in assets.

How do we contact Universal Union Benefits?

We are always just a phone call, or email away. You may call us: 877-808-6466
We will arrange a time at your convenience to explain in great detail the benefit of our program to all involved.