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Tag Archive: jeremy smith blogs

It’s Insurance Review Time

It’s Insurance Review Time

Written By: Jeremy Smith | Amerishield The night air is getting crisper, and high school football is in full swing – such are the perennial comforts that tell us that autumn has arrived.  Many people use autumn to embark on the seasonal to-do list in preparation for the colder weather just around the corner.  I’m wondering, with last month being National Life Insurance month, was your own mortality on the list of things to make sure all was in order? If not, it’s time for...

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Annuities: The Best Retirement Product No One Really Wants

Annuities: The Best Retirement Product No One Really Wants

Written By: Jeremy Smith | Amerishield According to Fred Vettese, chief actuary of Morneau Shepell, “Annuities are not sexy. You hand over your money to an insurance company who then puts you into a seemingly stingy allowance for the rest of your life.” The simple fact is that an annuity may be a great idea, but not as many people that can benefit from it buy one; even though statistics indicate that the majority of indexed annuity owners are happy with their purchase. If you’re...

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What is a Required Minimum Distribution (RMD)

What is a Required Minimum Distribution (RMD)

Written By: Jeremy Smith | Amerishield Qualified retirement plans offer tax benefits if you follow a few IRS rules. Retirement Plans are intended for Retirement Penalties for early withdrawal help discourage early withdraws and guides investors to withdraw their qualified funds during their retirement years. Required Minimum Distributions The government also wants to ensure that they will one day be able to tax these funds which should create a much larger collectable tax. If you have a 401(k), a Keogh, a SEP or a traditional...

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Why Fixed Indexed Annuity Owners Are Happy

Why Fixed Indexed Annuity Owners Are Happy

Written By: Jeremy Smith | Amerishield A happy fixed indexed annuity owner has been properly educated and appreciates its value.  If you look at statistics and numbers written on a piece of paper, some annuities aren’t as attractive as other investments might appear to be.  Appreciation of the value of a fixed indexed annuity is based upon the individual’s personal retirement goals. Low Risk vs. High Growth potential Many people looking at products for investment purposes seem to be very optimistic about how they want...

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