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AXA Equitable’s Accumulator “Buyout Offer,” Should You Accept or Not?

Jeremy Reif

AXA Equitable was one of the pioneers of the Guaranteed Minimum Benefits (death or income) or Earning Enhancement benefits. During their heyday, the “Accumulator” was one of the top products available to consumers. Similar products were offered through; Hartford, Transamerica, American Scandia, Prudential, Jackson National, John Hancock, and MetLife to name a few. Of the companies listed, all have changed their current offerings for a wide variety of reasons. John Hancock left this annuity space, Hartford offered a buyout of their own and sold their...

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6 Things to Consider When Buying an Annuity

Bryan Bentley

So, you are considering purchasing an annuity to help protect your retirement savings or to solve a concern that may not be easily addressed with other investment vehicles. Here are a few things to consider when making a decision about buying an annuity. 1. Surrender Charge Period Expressed in terms of years, the surrender charge defines how long your money must remain in the annuity before you have unrestricted access to it. With most annuities, a portion of your money is available penalty-free during the...

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Fixed Indexed Annuities: The Next Generation

Gary Scheer

If you are 55 years of age or older, chances are you regularly receive invitations to seminars and lectures on such topics as “How to Secure Your Finances in Retirement”, “How to Maximize Your Social Security Benefits”, “How to Create a Guaranteed Income for Life”, “How to Enjoy Stock Market Returns with No Downside Market Risks”, and more. Quite often, these presentations focus on the benefits of including fixed indexed annuities, also known as indexed annuities, as a “safe money” strategy for one’s retirement income...

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Using Annuities to Combat Social Security Loss

Gary Mattson

If you have planned for retirement, then hopefully, you’ll be ready to enjoy a lifestyle with steady income that gives you enough every month to pay for your recurring bills, along with having the funds to enjoy travel, assist grandkids with education, delve into a hobby or start a new one, or anything else on your “bucket list”. As you’re enjoying the prospects of helping grandchildren and family members learn from your financial success, tragedy happens. A loved one passes, leaving you alone and worried,...

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How to Get the Most Income Out of an Annuity

Tim Fitzwilliams

As a consumer planning for the future, it’s important to understand what an annuity is, how it works, and how much income you’ll receive for the rest of your life. An annuity is a vehicle that is designed to provide income for the rest of your life. The three most common types of annuities used when planning an income include: fixed, variable and indexed. To keep things very simple: Fixed = A set interest rate. Variable = Based on the stock market and has market...

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What Annuity Is Right For The Client?

Robbin Broome

During the last two decades, seniors have experienced a roller coaster financial market. Products are constantly changing, and I am always informing clients about some policy variation. Volatility seems to be the wave of the future. With all this said, what should you look for in an annuity? After all, it is your financial future in question. Individuals need to ask themselves a few questions before purchasing any product in today’s environment. For instance: What are my goals for my money? Am I going to...

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Why Long-Term Care Insurance?

Ronald Dukes

Eldercare has replaced childcare as the number one work place concern.[1] Long-term care planning is an extremely important part of financial planning as it applies to retirement planning as well as estate preservation planning. Many individuals specialize in long-term care insurance, and stress the importance long-term care insurance. These “specialists” usually work for two to six insurance companies that sell long-term care policies. The problem is that sometimes they don’t understand the big picture, and therefore, can miss the opportunity of giving a retiree the...

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The Truth About Annuities

Rick Graham

The truth about annuities is that there is not so much a good or bad annuity as much as a good or bad fit for your personal situation. There are many different types of annuities and dozens of insurance companies offering them. There are literally hundreds of different annuity product options. It can be very challenging to understand and compare products. To begin with, an annuity is a contract issued by an insurance company to meet specific financial goals, wants, or needs. It’s a contract...

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You Have Been Going About Annuities All Wrong

Morgan Hill

How many times have your clients or prospects told you that they had “researched” indexed annuities? Only later you discover that “research” consisted of typing “indexed annuity” into Google and reading the first couple sentences. As a financial professional who offers indexed annuities in your array of products, you ought to familiarize yourself with Google search engine results related to the product. It doesn’t take long to recognize the negative results. Indeed, much of the easy-to-access Internet literature about annuities is inherently negative. While I...

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Annuities as Bond Alternatives

Morgan Hill

For decades, a commonly cited rule of thumb for retirement portfolios has been the “rule of 100.”  It states that individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities and 60% of the portfolio should be held in conservative or otherwise fixed-rate investments; bonds, treasuries, CDs, etc. However, with the large majority of these safe investments pay out roughly 2%-4%, many investors are keeping their exposure to equities disproportionately...

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