Annuity Surrender Charges and Penalties
Get a Quote »Let's face it, sometimes annuities get a bad rap in the investment world and perhaps a bit of that is deserved. In fairness, those who are talking down these accounts are usually trying to sell some other financial product.
However, the bottom line is investors are usually and ...
Variable Annuity Pitfalls
Get a Quote »There are three types of deferred annuities for investors to choose from in order of least risk: fixed, fixed-indexed, and variable. Variable accounts are the most risky as they are directly tied to the ups and downs of the overall stock market.
In an ...
Annuity Proceeds: Beneficiary Designation, Probate and Passing
Get a Quote »Unfortunately, there is quite a bit of misinformation that has spread about annuity investment contracts. What is not clear is whether these untruths are intentional or a general lack of knowledge, but it is beyond time to set the record straight.
One of the biggest concerns potential annuity investors have is what happens to ...
Index Annuity with the Highest Returns
Get a Quote »As an annuity agent, I am often asked which insurance company offers an indexed annuity with the best returns. And that is not an easy question to answer. There are dozens of companies offering several fixed ...
Indexed Annuity Returns Over 15%
Get a Quote »Indexed annuity accounts credit interest based on the performance of chosen stock and bond market indexes, however they are not variable in nature and have no direct market exposure. This simply means that when the market goes down, there is no risk of losing ...
Insurance Policies That Lower Your Income Tax Obligations
Request Assistance »It's April 15th and while many have already filed their tax returns some are still scrambling to get their documents in on time. Thus, it is an appropriate time of the year to talk about different ways to reduce your income taxes.
If you wish ...
Indexed Annuity Accounts - The Role of Spreads, Caps, and Participation Rates
Get a Quote »If you are considering investing in a fixed indexed annuity, you should become familiar with a few terms. Almost all indexed annuities have internal moving parts referred to as spreads, caps, and participation rates. The fluctuations of these moving parts can significantly affect your annuity's rate of return ...
Understanding The 1035 Tax Free Annuity and Life Insurance Exchange
Get a Quote »You may wish to exchange your old annuity or life insurance policy for a new one for any number of reasons. Section 1035 of the I.R.S tax code allows you to do so without incurring any taxable gains.
The gains from your old policy ...
Certificate of Deposit vs. Fixed Annuity
Get a Quote »If you are in need of a safe and insured investment providing reliable interest for a desired number of years, you should consider both a fixed annuity account and a bank certificate of deposit.
Both offer pros and cons depending on what features are most important to you now and ...
Qualified and Non Qualified Annuity Accounts Explained
Get a Quote »Regardless of the type of annuity account you own (fixed, indexed, immediate, or variable) it will fall into one of two categories; qualified or non qualified. This is to say that an annuity cannot be both qualified and non qualified. It is one or ...
