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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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Fixed Index Annuity Basics

Mark Goldfinger

When my clients ask me to list the most important ingredients required when looking to create and maintain a stress-free retirement plan, I explain to them that there are three basic financial requirements: a guaranteed income which they cannot outlive; little or no risk of losing their money/savings, and the ability to grow their money through participation in a growing stock market and NOT a receding stock market. I then inform them that there are financial tools that will help meet these three requirements, and...

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Rebuttal to ‘Don’t Buy Index Annuity Article’ on AARP

Brent Welch

In the May 2014 AARP magazine, Allan Roth set the tone for his article “Don’t Buy It”with a picture of Leonardo DiCaprio, star of the movie The Wolf of Wall Street. In the film, DiCaprio plays a dishonest, immoral and unethical investment banker. This “Wolf of Wall Street” ended up in prison for the rest of his life, convicted of felony charges, racketeering, extortion, and stealing money from the general public. He was a wicked and completely dishonest criminal, much like Bernie Madoff. Roth suggested...

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Choosing an Annuity? What Rate is Most Important: Bonus, Roll-up, Pay-out, Caps?

John P. Grimes

In the years before Indexed annuities were offered (pre 1995), fixed annuities had only one rate you needed to know to compare policies; the fixed interest rate. Assuming the companies had similar financial strength ratings it was pretty easy to pick the best annuity for your needs: Who was offering the highest interest rate? Fortunately (or unfortunately if you long for simpler times), annuities today come with many moving parts. Riders that provide guaranteed lifetime income, long term care benefits and enhanced death benefits are...

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How To Find The Best Equity Index Annuity For Your Needs

Richard Ericson

Which equity indexed annuity is the best? Which annuity is the best for you? Often individuals become overwhelmed by the amount of choices available when learning about, and selecting the best annuity for their purpose.  I believe those who are over 50 should have a majority of their retirement assets in safe, protected and guaranteed retirement planning vehicles. The key investment piece is the Equity Index Annuity. Equity Index Annuities may be referred to as fixed index, index, or hybrid. Equity index annuities are NOT...

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What’s The Truth About Bonuses On Indexed Annuities?

Stan The Annuity Man

Question: Every agent I meet with is pushing a bonus as the main reason to buy the indexed annuity they are recommending.  They make it sound like it’s free money, but I’m skeptical.  What’s the truth about these upfront bonuses? Robert from Muncie, Indiana Answer: Phenomenal question Robert, and so important in the current over hyped annuity environment and the unregulated wild wild west of annuity internet promoters.  Upfront bonuses really became popular around 5 years ago as an obvious way for insurance companies to...

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