The Highest Annuity Bonus Accounts
Blog
Category: Annuities, Articles, Retirement Planning
Is An IRA Annuity A Good Investment?
Blog
Conservative investors looking to protect a portion of their individual retirement account will often consider an annuity as a means to establish predictable growth and reliable income now or in the future. IRA annuity investments provide steady growth and are ideally suited for required minimum distributions. There are several types of annuity accounts to choose from, but […]
Category: Annuities, Articles, Retirement Planning
Annuity Surrender Charges and Penalties
Blog
Let’s face it, sometimes annuities get a bad rap in the investment world and perhaps some 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 understandably concerned about access to their deposited funds. Safe […]
Variable Annuity Complaints
Blog
There are three types of deferred annuities for investors to choose from in order of least to most risk: fixed, fixed-indexed, and variable. Variable accounts are most risky as they are directly tied to the ups and downs of the overall stock market which is why you you see variable annuity complaints. In an attempt […]
Annuity Proceeds: Beneficiary Designation, Probate and Passing
Blog
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 their money […]
Category: Annuities, Articles, Retirement Planning
Index Annuity with the Highest Returns
Blog
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 accounts each. However, I did come across an annual statement recently that even amazed me – and I have […]
Indexed Annuity Returns Over 15%
Blog
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 your invested principal or interest gains from previous years. During the past twelve months, […]
Insurance Policies That Lower Your Income Tax Obligations
Blog
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 to reduce the amount of taxable income on your 1040 or are […]
Category: Annuities, Articles, Life Insurance, Wealth Transfer
Indexed Annuity Accounts – The Role of Spreads, Caps, and Participation Rates
Blog
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 now and in the future. Insurance companies will adjust their […]
Life Insurance & Annuity 1035 Exchanges
Blog
Category: Annuities
Qualified and Non-Qualified Annuity Accounts
Blog
Category: Annuities, Articles, Retirement Planning
What is Guaranteed Annuity Income for Life?
Blog
As the overall markets have swooned and once plush retirement accounts have lost value, you might be interested in a guaranteed lifetime stream of income. Commercials are more prevalent and many financial firms are now advertising the merits of this simple concept. But what are the financial products behind these guarantees and how can you benefit from lifetime […]
Category: Annuities, Articles, Ohio Annuity, Retirement Planning
The 403(b) Account – Transfers, Rollovers, Taxes, and Insurance
Blog
A 403(b) account is also known as a Tax Sheltered Annuity or TSA. These accounts can take many forms, but most typically are setup as a fixed or variable annuity. Teachers, employees of non-profits, and certain ministers can contribute during their working years should their employer offer this retirement option. Other investment options might include mutual funds […]
Category: Annuities, Articles, Retirement Planning
When to Purchase an Annuity Policy – Now!
Blog
There are certain economic cycles that occur every few years which drive up the interest rates in fixed annuity accounts. We are in one of those cycles now. Savvy investors can lock in very high annuity rates (yields/returns) that did not exist only a year ago. View Current Fixed Annuity Interest Rates Economic Turmoil Benefits Fixed Annuity Accounts […]
Current Annuity Interest Rates
Blog
Federal Reserve recently lowered key interest rates in order to battle the current credit crisis. This is not good news for bank investors who have relied on certificates of deposit and money market savings accounts to save and/or generate income. When inflation is factored in, most bank instrument’s returns are at historical lows. Additionally, the volatility in […]
Category: Annuities, Articles, Ohio Annuity