Annuity123 is dedicated to providing Americans with unbiased information about retirement, answering the tough questions you want to know.

With hundreds of articles on every retirement planning topic you can think of, peace of mind is just a click away.

SPIA

Can Fixed Annuities Account for Inflation?

Stan The Annuity Man

Question: Inflation is something that worries me going forward.  Can fixed annuities actually account for inflation?  Is that possible? Eddie M. from Casper, Wyoming Answer: Great question Eddie, and I agree with you that the real possibility of future inflation is the financial gorilla in the room.  I think everyone is concerned about it.  Let me start by saying there is not an annuity on the planet that is the perfect solution to combat inflation, and no strategy anywhere can address hyperinflation.  However, income annuities...

View Article

What Is The True Value Of An Immediate Annuity?

Stan The Annuity Man

Question: I need an additional income stream for me and my wife and am looking at a Single Premium Immediate Annuity as a possible solution.  How do I figure out the return?  What is the true value? Fred from San Antonio, Texas Answer: Thanks for the question Fred.  This is a topic that is becoming more and more prominent of an issue as baby boomers retire and need more guaranteed income.  As a short history lesson, Immediate Annuities (also called – Single Premium Immediate Annuities)...

View Article

What Is The Purpose Of An Immediate Annuity?

Stan The Annuity Man

Question: Why would anyone buy an immediate annuity?  What’s the purpose of it?  Isn’t it just getting your money back? from Taylor G. in Los Gatos, California Answer: Interesting questions Taylor, but very good ones.  An immediate annuity is formally called a Single Premium Immediate Annuity, and also known as an income annuity.  It is the original annuity product and was first introduced in Roman times. People buy immediate annuities because they are looking for a pension type income stream.  They want to make sure...

View Article

Immediate Annuities Explained

Stan The Annuity Man

Provided By: The Annuity Guys In the golden era of career based retirements, everyone could count on a company paycheck for life in retirement. Unfortunately, fewer and fewer employees are leaving jobs with defined benefits programs that take care of their income and health benefits throughout their retirement years. So what options do workers who have invested a lifetime of dollars into 401Ks and IRAs have for lifetime retirement income? Watch as the Annuity Guys look at the gold standard of annuities – the immediate annuity, including...

View Article

What is a “Rated” Single Premium Immediate Annuity?

Stan The Annuity Man

Question: I have some serious health issues, and have heard about immediate annuities that have a higher payout if you are sick.  I think that they are called “Rated” Single Premium Immediate Annuities.  What is that? from Colin in Boise, Idaho Answer: Thanks for the question Colin, and I’m sorry to hear about your health issues.  Your question is a good one, and most people in the annuity industry don’t even know this product exists.  Some call this product a “Rated Single Premium Immediate Annuity”,...

View Article

Can I Buy Annuities With No Fees or Surrender Charges?

Stan The Annuity Man

Question: Can I buy annuities with no fees or surrender charges? Are there no load annuities like no load mutual funds?  Ron in Roanoke, Virginia. Answer: Phenomenal question Ron!  The annuity industry is very late to the party when it comes to “no load” type offerings that are common in the mutual fund industry.  No load can mean a few things.  It can refer to no fees for buying a strategy, no fees to keep the strategy, and no fees to sell the strategy.  Let’s...

View Article