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Jason Soloman

Indexed Annuities: 3 Things I Love and Hate About Them

Jason Soloman

Jason Soloman | December 17, 2013 | , , , ,

The debate about fixed annuities has been going on for years.  Some advisors/insurance agents will only sell indexed annuities to retirees; other advisors/agents won’t associate their name with such products.  I on the other hand believe that for the right person, an indexed annuity could be a piece of a holistic retirement plan.  Listed below are 3 reasons I like and hate indexed annuities. Things I love About Indexed Annuities  1. Income For Life People can bash the Social Security system all they want, but...

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Annuity Surrender Fees: What Is A Market Value Adjustment?

Jason Soloman

Jason Soloman | December 6, 2013 | , , , , ,

Some annuities, specifically indexed annuities, have a surrender charge that ranges from 3-15 years.  So if you are not terminally ill, require nursing care for more than 90 days, and want to withdraw more than 10% from your annuity there will probably be some monetary consequences to go along with your withdraw.  Some surrender charges are defined and won’t change; others fluctuate via their Market Value Adjustment.  So what is a Market Value Adjustment (MVA)?  Essentially a Market Value Adjustment is the insurance company’s way...

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