The Personal Pension Program is a powerful retirement tool designed to help you secure your financial future. With overall double-digit returns for the life of the program, tax-free cash accumulation, and ownership of a Tier 1 asset recognized by the FDIC, you can rest assured that your retirement is in good hands. Plus, you can leave a legacy to your heirs, enjoy a million dollars of disability and long-term care alternative protection, and receive a lifetime of tax-free income during retirement. However, keep in mind that the program requires a large first-year contribution, needs at least 20 years of growth to generate a double-digit lifetime annual return, and you must qualify to participate. Individual returns may also vary, and the program requires monthly maintenance.