When looking at the dissimilarity between a fixed and indexed annuity, buyers ought to recall that indexed annuities, also called equity-indexed annuities, are a form of fixed annuities...
Read ArticleA bonus annuity can be a fixed, indexed, or variable annuity that propose to the buyer a plus rate on top of the normal return. The life insurance carrier that writes the bonus annuity....
Read ArticleAnnuities have always been viewed as a safe investment option, particularly for clients who are concerned with securing their retirement income. Life insurance carriers have been ....
Read ArticleHow can one annuity offer a return as high as 8% when most others are offering closer to 3%? The answer is Income Riders and Roll-Up Rates. Think of Riders as add-ons to customize ....
Read ArticleThe most effective way to find the best fixed annuities is by following a few simple guidelines. These really shouldn't be mind-blowing concepts, but missing just one of them can ....
Read ArticleAnnuities are most efficient when they are used to supplement income once the owner is retired. The idea that these products grow in an account, tax deferred, with a plausible rate ....
Read ArticleIf money is non-qualified, that means it is not part of a tax-deferred account. Examples of tax deferred account are traditional or Roth individual retirement account (IRA), ....
Read ArticleAnnuities can be very useful for some investors and a poor choice for others, depending on the specific financial needs. Perhaps the most important step to purchasing an annuity ....
Read ArticleThere is no way around it, in order for an annuity to work to its maximum capacity, you need to let it sit and accumulate (typically for about 10 years). There are pretty severe penalties...
Read ArticleIf you have cashed in an individual retirement account, gotten either a big or a substantial separation package, or in some further way come into ownership of a great lump-sum, ....
Read ArticleIf someone has a lot of money saved up for their retirement, there are several ways of making your money work for you. Some of those options include keeping it in the bank and ....
Read ArticleAnnuities can provide an incredible safety net. Older investors are particularly drawn to annuities to insure they never outliving their retirement savings....
Read ArticleThe two major types of annuities are variable and fixed. With a fixed annuity, the insurance company guarantees a specific payment to the account holder, based....
Read ArticleAnnuities and bank CDs are both low risk investments focused on safety of principal, coupled with reasonable returns. There are difference between the two, which....
Read ArticleInvestors often turn to annuities during economic downturns. Uncertainty in the stock markets cause many people to see safer options...
Read ArticleThe Death Benefit guarantees that, if your assets should outlive you, your annuity insurance company will pay out at least the original amount of your annuity...
Read ArticleThe process of taking payments from annuites is called the annuitization phase. This can either begin as soon as you purchase the annuity, or some years later...
Read ArticleBefore figuring out where to go for an indexed annuity, it’s really important that you have a base understanding as to what an indexed annuity is and how it works...
Read ArticleWhen you're ready to receive income (usually in retirement) annuities offer you a variety of income options, highlighted by a guaranteed income that you can never outlive...
Read ArticleAlthough annuities are typically fairly simple products, the indexing methods can be a spot of confusion. In this article, we will attempt to explain the basic terms and methodologies....
Read ArticleAnnuity companies receive rating assessments from 3rd party agencies on the creditworthiness and strength of the company...
Read ArticleA 403(b) plan, often referred to as a tax-sheltered annuity account (TSA), is a retirement plan offered exclusively by public schools and certain charities. A 403(b) plan is very similar to 401(k) plans...
Read ArticleA 401(k) is a qualified retirement plan that allows eligible employees of a company to save and invest for their own retirement on a tax-deferred basis. Not everyone can invest in a 401(k)...
Read ArticleThis article will attempt to shed an unbiased light on how fixed annuity commissions are paid to agents, and how they effect the policy owner....
Read ArticleWhen you purchase in a fixed annuity, the insurance carries guarantees that you cannot lose either your principal or any interest that the annuity has accumulated...
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