Annuity Rates, Caps, and Fees |
July 17, 2013 |
Annuity Caps, Annuity Fees, Annuity Guys, Annuity Videos, Member Posts
Provided By: The Annuity Guys “What are your best annuity rates?” This is how about 50% of our phone calls from website visitors start out after they visited www.AnnuityRatesInstantly.com. As independent advisors, fortunately, we are able to offer our clients the best fit from dozens of companies including those with the highest rates, best caps and lowest fees. So, if you find an annuity with the best guaranteed rate, the highest cap and the lowest fee, you have found the best annuity – right? Probably not. We do not believe that one perfect annuity exists...
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Protect What’s Yours |
July 16, 2013 |
Income For Life, Index Annuities, Member Posts, Nina Avery
Written By: Nina Avery, CFP®, in Orlando, FL Annuities are a great way to safeguard your hard earned money. They also offer several options, any of which can be tailored to your individual needs with regard to immediate income, fixed rates like CDs, upside potential without market risk, guaranteed lifetime income and spousal benefits. If you are looking for safety of principal, guaranteed returns and guaranteed lifetime income; educating yourself about annuities is definitely worth your time. Here is a brief discussion of two of...
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Would You Rather Be Rich? |
July 15, 2013 |
Allen Trimble, Index Annuities, Member Posts
Written By: Allen Trimble in San Antonio, TX When I talk with folks about their retirement income, or planning their retirement income, we discuss various savings and investment vehicles that we could use. This discussion often runs the gamut, from CDs to gold to the stock market and just about everything in between. Not surprisingly, most people in or near retirement want to know that their money is safe and that their income is or will be secure and sustainable. What could be worse, financially...
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Income Riders Are Great if You Understand Them and Their Purpose |
July 10, 2013 |
Income Riders, Index Annuities, Member Posts
Written By: Richard E. Navarra in Wexford, PA There is much excitement over income riders attached to fixed indexed annuities, and it is for good reason when understood and used for the proper situations. The problem is consumers of annuities are confusing the accumulation of the income rider with the actual accumulation value within the annuity. The accumulation value grows as a result of the annuity’s increase based on the increase of the indices the annuity is tied to after applying contractual caps, participation rates,...
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Rob Brinkman |
July 5, 2013 |
Annuity Videos, Index Annuities, Member Posts, Rob Brinkman
Do you know how an insurance company that issues annuities prices them? If not, don’t feel bad. Even some of the advisors who sell annuities don’t know exactly how the carriers make money. The biggest misconception is that many people believe that the insurance carrier invests the assets that they receive directly into the indexes that the Fixed Indexed Annuity (FIA) product offers, and then the carrier keeps the spread. In reality, the carrier usually never invests directly into the actual index. Instead, they are...
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Rob Brinkman |
June 28, 2013 |
Annuity Video Blogs, Annuity Videos, Index Annuities, Member Posts, Rob Brinkman
The S&P 500 is one of the most popular stock indexes in the world which combines the top 500 largest stocks by market capitalization. In this video, Rob Brinkman explains how certain indexed annuities give you the ability to participate in part of the upside of this incredibly popular index, the S&P 500, while limiting your downside to zero. Rob also discusses the different Index Strategies used within an Index Annuity. As more insurance carriers continue to come up with new innovations and ways to...
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Rob Brinkman |
April 4, 2013 |
Index Annuities, Member Posts, Nina Avery
Written By: Nina Avery, CFP ® | Avery Safe Money Solutions Sound overly dramatic? Maybe not, if your retirement is overly reliant on market driven investments like a 401-k. It’s not like the old days when companies handled the risk and responsibility of generating a lifetime retirement income by providing pensions for their employees. Those days are pretty much gone. The risk and responsibility for your retirement falls directly and completely on you and a market crash could indeed destroy or greatly disable your financial...
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Rob Brinkman |
March 26, 2013 |
Fixed Annuities, Income For Life, Index Annuities, Member Posts, Retirement Planning
Written by: Charles Garber | Garber Financial Services People approaching or at the actual stage of retirement, have several concerns that we need to address. Concerns that cannot be dismissed and must be resolved for their peace of mind. These concerns are as follows: 1) Not having enough income for the rest of their life 2) Inflation 3) Stock Market Volatility and Losses 4) Unexpected Bills 5) Health and Long-Term Confinement At first glance, each one of these concerns requires 3-4 different types of financial...
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Carl Ostenson |
March 19, 2013 |
Carl Ostenson, Income For Life, Income Riders, Member Posts, Retirement Planning
Is it possible to upgrade your older annuity into a new one that has more benefits? The short answer is, YES. But the real answer is that it depends, and you need to do a little homework to be sure you are making your situation better, not worse. First let’s go through some common reasons why people might want to switch from one annuity to another. 1) Fees: This would apply mainly to Variable Annuities. The total fees can range from 2% to over 5%...
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Carl Ostenson |
January 18, 2013 |
Carl Ostenson, Income Riders, Index Annuities, Member Posts
Are you thinking about rolling some of your IRA or 401k into an Indexed Annuity with an Income Rider? Billions of dollars are going into these plans because they are a safe and flexible way to build your own personal pension to help supplement your Social Security in retirement. However, there are a few sticking points that need to be addressed. 1. Roll up rates are not really your money You may see advertisements saying “Earn 7% for future income” or “Earn 7% guaranteed” or...
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