Wednesday, June 15th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
With the constant threat of stock market volatility, more and more people are looking for safety when it comes to a retirement income stream. Annuities can provide that safety. So let’s take a look at seven things you need to know about annuities and consider whether or not they make sense for your retirement income needs. Read More
Wednesday, June 8th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
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Finally, you can get a bigger bang for your retirement bucks with an all-new competitive CD alternative in the form of a multi-year guaranteed fixed annuity (MYGA). A MYGA is similar to a Certificate of Deposit (CD) in that it earns a fixed amount of interest and pays out after a specified period of time. The key difference is it is an insurance product, not a traditional savings vehicle, that can be used as an important part of a retirement income planning strategy. Read More
Friday, October 2nd, 2015 and is filed under Annuity News, Retirement Income Annuities
As millions of American move swiftly into their senior years, their focus turns to their financial condition and how to continue to live out their remaining years in relatively the same lifestyle as that to which they have previously enjoyed. This situation is compounded by the fact that, as a nation, we are living longer than earlier generations. Better healthcare and nutrition have extended most of our lives by years–if not decades. According to a study cited by USA Today in 2014, the average remaining lifespan for a U.S. citizen who was 65 years of age in 2012 is another 19.3 years. In many cases, Social Security alone will not provide enough annual income for a married senior couple to live on in the future.
One of the financial instruments that many people use to supply life-long retirement income is called an annuity. In combination with other savings vehicles, annuities help form the foundation for a well balanced, long-term financial plan. Read More
Monday, December 8th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
Choosing the right annuity to help support your retirement income needs can be confusing and a little intimidating especially when so many different kinds of annuities offer such a dizzying variety of contracts. To help simplify the process, here are six questions to ask before buying an annuity, regardless of whether it is variable, fixed, or indexed:
1. Should you put your money in an annuity or something else like a mutual fund? Read More
Monday, October 20th, 2014 and is filed under Uncategorized
Investors closing in on retirement and looking to secure future income would do well to explore deferred income annuities. Indeed many are, as sales of these products are accelerating.
On track to top $3 billion in 2014, sales of deferred income annuities totaled just $1 billion in 2012, according to LIMRA, an insurance and financial services association that provides marketing and research services. With a deferred income annuity, investors either pay periodic premiums, or pay their premium in one lump sum, to generate a guaranteed lifetime income stream in the latter years of retirement. Firms offering these annuities typically pay investors interest, which adjusts as rates fluctuate. Read More