Many people think that you should start collecting Social Security benefits as soon as you are eligible. You can, but every situation is different. Keep reading to learn more about some key factors that you should consider before making this decision.

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1 A five-year single deposit window contract that has a guaranteed interest rate for the first year. After the 1st year, the owner may withdraw up to 10% of the accumulated value each contract year, while surrender charges may apply for annual withdrawals beyond this amount for the first 5 years of the contract. Deposit limits exist.2 Advertised rate subject to change and reviewed frequently. Not FDIC insured. Not available in all states. Early withdrawals, and those made prior to age 59 1/2, may be subject to IRS penalty. We are not tax advisors – please contact a tax professional. KSKJ Life, American Slovenian Catholic Union, is an Illinois fraternal benefit society located at 2439 Glenwood Ave., Joliet, IL 60435.WIN.WEB.2021.10