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Our clients are in search of competitive yields now more than ever. They simply want a safe and insured account that's reliable and worry-free. Nassau Life Insurance Company's fixed annuity accounts are here to help. They offer some of the best rates in the country on two popular terms. These accounts are suitable for conservative [...]
May 4, 2021

Category: Annuities

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Annuities are unique investments popular for income, tax-deferral, growth and safety. Most policies have no exposure to market downturns. They are designed to provide certainty. Conservative investors enjoy having a portion of their portfolio safe and protected from losses. While these accounts do come with guarantees, many want to know how they're insured and by [...]
March 19, 2021

Category: Annuities

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If you need a one year fixed annuity, we can help. Hyers and Associates is an independent brokerage specializing in annuities of all types. We'll help you compare the highest rates available. Many of our clients are looking for short-term policies with fair rates of return. You might be surprised to know that many of [...]
January 20, 2021

Category: Annuities

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In the midst of these unprecedented times, there is a lot of concern about money – not just everyday stimulus/disaster relief money, but retirement funds and accounts. Conservative investors what know about their best options for growth and safety. Our clients are concerned about reliability, security and a fair rate of return on their deposits. [...]
January 15, 2021

Category: Annuities, Ohio Annuity

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Annuities are unique investment tools that are used for growth - and to provide guaranteed income. They offer predictable returns, tax deferral, and are commonly used to create steady streams of income in retirement. There are different types, however, which carry different levels of risk and reward. Some are more designed for growth and accumulation, [...]
October 7, 2020

Category: Annuities, Ohio Annuity

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Annuities are unique investment tools that are sold by insurance companies and provide guaranteed returns and/or income streams as you get older. They are a great way to supplement retirement accounts or life insurance policies while providing a way of deferring taxes in the short or long-term. How do I know the difference between an [...]
September 10, 2020

Category: Annuities

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If you are looking for a safe and insured fixed interest investment account, you should compare a bank CD to a guaranteed fixed annuity account. Both offer pros and cons depending on what features are most important to you. The chart below compares the advantages and disadvantages of both accounts side by side. Annuity accounts [...]
August 7, 2020

Category: Annuities, Articles

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Annuities serve many purposes, but you might want one to safely and efficiently transfer assets to your heirs. One popular annuity feature offers an increasing death benefit in order to guarantee growth each year. This rider might be appropriate for someone who does not anticipate needing their funds. Perhaps they have ample liquidity and investments [...]
July 17, 2020

Category: Annuities, Retirement Planning

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You may want to know how your business entity works with an annuity account. In most cases corporations, partnerships, trusts, and other entities can own an annuity much like an individual would. That's the good news, but there are some subtle differences to how these accounts operate on a tax and operational basis. You'll want [...]
June 8, 2020

Category: Annuities, Retirement Planning

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A commonly misunderstood and/or overlooked annuity feature is the Market Value Adjustment. This provision will influence the value of your account during its term. It can have a noticeable effect on the account should you surrender your annuity early. And in some cases, it can help you exit an underperforming annuity with gains that wouldn't [...]
April 27, 2020

Category: Annuities

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Investors like annuity policies for a lot of reasons, but a new feature is adding even more certainty to these guaranteed products. Some companies are now offering a death benefit rider on their contracts to assure policy growth every year. This optional feature allows your death benefit to grow each year by a guaranteed rate [...]
June 5, 2019

Category: Annuities, Retirement Planning

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We are all working toward a comfortable, financially stable retirement. We want to enjoy more time with our loved ones while immersing ourselves in the activities that bring us peace and joy. The Hyers & Associates team is here to help you achieve your retirement goals. The fact is you need a plan to create [...]
April 23, 2019

Category: Annuities, Retirement Planning

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As an independent agent, I see a lot of misinformation on annuity policies. One of the primary concerns with investors is liquidity. Some critics say annuities offer no liquidity. This is simply not true. There are several way you can withdraw money from your annuity account. Many have several different liquidity options so you can [...]
March 13, 2019

Category: Annuities

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The Hyers & Associates team works with annuities of all kinds and can help you understand how they are used in conjunction with your retirement - or as an investment opportunity. Many people search for safe and reliable ways to manage their money while retired, and an annuity is an option you should consider. Understanding [...]
February 14, 2019

Category: Annuities

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Investing for the future helps people maximize their income during retirement and ensure security in the years to come. With a variety of options to consider, a one-size-fits-all strategy does not work. Consumers must work with an educated agent and do research to make the most sensible choices. A smart approach is to learn about …

June 28, 2018

Category: Annuities

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