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Index Annuities

Kissing Market Risk Goodbye

John Jansen and Rob Wolff

It’s the time of life that you have been waiting all your working years to experience. Retirement has finally come, and you can enjoy what you have been working so hard for. But suddenly, a flood of questions stream through your mind: What will happen if the market takes a sudden downturn? How safe are my investments from losing value? Did I save enough to receive income for life? If you are similar to many Americans, then these are questions you have already asked yourself...

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When is the Right Time to Buy an Annuity?

Randy Floyd

This is a question I get asked a lot in my practice. However, this question is asked for many different reasons. There are several issues this question refers to, and each of them should be answered specifically in accordance with their real, underlying question. At what age should I purchase an annuity? This is a broad question, and will be answered in more detail as we work through some of the others. Generally speaking, most people under the age of 40 should not purchase an...

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Variable & Hybrid Annuities – Are They Good or Bad?

Jeff Juniper

Annuities have been around for almost 2000 years and the public’s understanding of how they work is at an all-time low. “I Hate Annuities and So Should You” is what one investment firm says in their full page ads from coast to coast. Why do they spend hundreds of thousands of dollars on those ads? The answer is to attract attention because there is so much confusion about how these products work. What they don’t tell you in those ads is that there are good...

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How to Never Lose Your Money: A Guide to Fixed Indexed Annuities

Barbara Halperin

Believe it or not, Tony Robbins, motivational guru, has joined the ranks of advisors offering fixed indexed annuities to the American public. He realizes that people in the United States today find value in the benefits that a fixed indexed annuity provides. What other investment can protect you from market risk while simultaneously producing tremendous streams of income guaranteed to last you for life, and also the lifetime of your spouse? There is no other product offered today that can do what a fixed indexed...

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Five Common Annuity Misconceptions

Mark Goldfinger

More misconceptions and myths swirl around annuities than any other financial product. Some of the confusion may be due to the fact that annuities have greatly improved over the past 10 years, offering more options and benefits than ever before. One of the most flexible types of annuities is a fixed indexed annuity (FIA). An FIA is a financial product sold by insurance companies. The insurance company guarantees to protect your principal and give you the potential for growth linked to an index, such as...

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Are Indexed Annuities the “New Wave” for Retirees?

Carlos Dias Jr.

Before 2001, most Americans could not fathom the idea that their portfolios would obtain less than double-digit returns. Much of that success was a result of a different economic landscape: one where higher income taxes and mortgage interest rates, coupled with the Internet as a new way of making money, created heavy gains in the stock market. However, after Y2K, we’ve endured two major market crashes, job losses, and an unstable economy. Since then, many retirees’ mind frames have dramatically changed from focusing on wealth...

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Four Good Reasons to Buy an Annuity Now

Jerry Rubin

A first-class fixed indexed annuity puts you in position to collect a pension-like income, guaranteed to continue for as long as you and your spouse are alive. These annuities allow you to profit from the stock and commodities markets with no risk. This type of annuity simply uses financial market indexes, like the S&P 500, as outside reference points to determine your interest. Whenever the market (index) goes up, you make money; whenever it goes down, since your money is never invested or at risk...

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Annuities 101

Steven Aul

I cannot count the times that I have sat down with a couple and asked what they would like to have in their retirement portfolio, and they tell me they want to have guaranteed income they cannot outlive, maintain their principal with little or no risk, and be able to participate in the market when it increases. They get excited when I reveal that there are tools that meet these requests, but when I mention the word “annuity,” they grow horns. I believe this negative...

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To Annuity or Not to Annuity? That is The Question.

Fortunato Puleo

In today’s fast-paced world and economy we need to be sure of the financial steps we take, after all, it could mean the difference between enjoying retirement without worry, cutting back on your lifestyle, or worse yet, going back to work. 3 Reasons to Annuity or Not to Annuity If you are ok with market fluctuations and you truly have a sense of peace that the stock market will never go down again, then you should not put your money in an annuity. You see,...

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The Five Steps to Making Investment Decisions

Mel Brandon

Which came first? Throughout the ages, the question of the chicken or the egg has led to many discussions and even more questions. This article is not about chickens or eggs, but it is about the order that we should think about financial matters. On first introduction, we are often asked, “What do you think of a specific investment, insurance product, or style of investing?” There is only one correct answer to this type of question: “It depends.” The intent is not to be vague...

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