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Investors Capital Introduces The Investor ProtectorSM

Investors Capital Corporation (ICC), the wholly owned independent broker/dealer and investment advisory subsidiary of Investors Capital Holdings, Ltd. (NYSE Amex: ICH), announced today that it has launched the Investor Protector SM series: a new, innovative managed investment account paired with a guaranteed 5% lifetime income benefit. The product successfully blends the growth potential of a separately managed account with the income security of an insurance guarantee*.

“The Investor Protector is designed to help Americans facing challenging economic times meet their retirement needs,” said Investors Capital Holdings Founder and Chairman, Theodore Charles. “The product was created for investors who are concerned about running out of money in retirement; and there are a lot of hard-working people in that category.”

Investors Capital Corporation is the first independent broker/dealer to offer a lifetime income benefit on managed money. The Investor Protector combines Investors Capital Advisory Services’ (ICA) series of asset allocation models with a stand-alone lifetime benefit that offers the investor a 5% lifetime income stream, regardless of market conditions. Even if the value of the account falls to zero, the investor will continue to receive a 5% income stream for life.

With the assistance of a financial professional, clients may select the Investor Protector portfolio that best fits their risk and suitability profile. The initial investment account value establishes the client’s Retirement Income Base (RIB). The investor may lock in a higher RIB if the account value is higher on the anniversary date for an additional fee. At age 65, the client may begin to draw a 5% stream of income based on the highest, locked-in RIB. Even if the account value falls to zero, the client will continue to draw that 5% stream of income for life.

With the Investor Protector, clients may remove the guaranteed income benefit at any time without being charged a penalty or surrender charge. The assets are owned by the investor so the investments are fully transparent and accessible at any time. A spousal benefit option is also available with this innovative product.

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