Call Us Today!  855-MY-AWUSA

Expert retirement income planning for families and individuals nationwide

Types of Annuities: Is Variable or Fixed Index Better?

Thursday, September 28th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Of the types of annuities, which is better, the fixed annuity or the variable annuity?As you explore your retirement options, you’ll likely encounter more than a few investment strategies.

Whether you’re close to retirement age or years away from it, making smart decisions at the onset is critical to reaping the most reward when that time comes.

Yet, with so many choices and so much jargon surrounding the industry, it can be difficult to determine exactly which path is the best one for you. From different types of annuities to IRAs and 401(k)s, there’s no shortage of places to put your money — if you can discern which place is best.

That might be why, according to a new survey, Americans revealed they’re less confident about their retirement earnings today than they were just one year ago.

One way to boost that assurance? Learn as much as you can about the choices you’re presented.

So let’s start simple. Read More

Compare the Best Annuity Companies

Friday, July 7th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Compare the Best Annuity CompaniesWhen considering buying an annuity, one thing you’ll certainly want to keep in mind is that an annuity product guarantee is only as good as the financial strength and claims-paying ability of the issuing insurance company. Therefore, you will want to compare the best annuity companies and take great care when choosing an annuity provider.

At Annuity Watch USA, we fully understand your need to research annuity providers, so we’ve put together some great tools to help you compare annuity companies and make the best choice possible for your annuity purchase. Read More

Our 7 Point Retirement Planning Checklist Has You Covered

Friday, June 16th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Videos

Do you have a retirement planning checklist that is up-to-date? Unfortunately, most people don’t, and what’s worse, they don’t even have a retirement plan in the first place. Here is our 7-point retirement planning checklist: Read More

Annuity Growth Rate Guarantees

Thursday, May 18th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Annuity Growth Rate GuaranteesSo far in our series on retirement annuities, we have discussed many aspects of annuities, especially the fixed index annuity. We have covered the four types of annuities, fixed index annuity basics, principal protection, and multiple annuity crediting methods including point to point, monthly sum, and monthly average. Next, in our series, we will discuss annuity growth rate guarantees.

Over the past several years we have seen the stock market go pretty much all over the map…everywhere from 50% downturns to record highs…and everywhere in between. And who knows where it’s going to go next?! Read More

Retirement Annuity Monthly Average Crediting Method

Wednesday, May 3rd, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

Monthly Average Crediting Method for Fixed Index AnnuitiesAs we continue our series on retirement annuities, we will now explore another crediting method which is called monthly point to point, also known as monthly average crediting.

As a reminder, there are three types of market index crediting methods used in Fixed Index Annuities – Point to Point, Monthly Sum, and Monthly Average. Your contract may have variations of one, or all three available for you to choose from.

In monthly average crediting, the insurance company records the value of the index you’ve chosen to track once each month. This snapshot of the index is taken on the day-of-the-month your contract was issued. At the end of the contract year, they take an average of the monthly values, and then compare it against the index’s value seen at the beginning of the contract year. Read More

Retirement Annuity Crediting Methods – Monthly Sum

Monday, April 17th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Retirement Annuity Crediting Method - Monthly SumIn our series on retirement annuities, we have previously covered the four types of annuities, fixed index annuity basics, principal protection, and one of the types of annuity crediting methods – the point to point annuity crediting method. In this article, we will discuss another crediting method called monthly point to point, which is also known as monthly sum crediting. Read More

Annuity Principal Protection Explained

Monday, March 27th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

If you are like most investors, your retirement portfolio suffered big losses during the market crashes of 2000 and 2008, and you are looking for a solution that will help you avoid ever losing money like that again.

Stock market volatility drove investors to seek safety in principal protected investments. One of the most popular principal protected investments is the fixed index annuity. Read More

Fixed Index Annuity Basics

Monday, March 13th, 2017 and is filed under Annuity News, Retirement Income Annuities

Fixed Index AnnuitiesIn a recent blog, we explained the four different types of annuities where one of those four was the fixed index annuity. Now we’ll take a closer look at the features of Fixed Index Annuities to illustrate why we believe the fixed index is the better choice over the other types of annuities.

When looking at the different kinds of investment vehicles and plans that are available, we can put them into two basic groups: those that risk your principal, and “safe money” options that protect it.

The traditional investments most of us know about fall into the group that put our principal at risk: stocks, mutual funds, real estate, commodities, and so on.

On the other side of the equation, we have what we call “safe money” plans, where our principal is guaranteed from loss. Read More

Four Types of Annuities

Wednesday, March 8th, 2017 and is filed under Annuity News, Retirement Income Annuities

Four Types of AnnuitiesBefore we delve into the four types of annuities, let’s start with a simple question:  What is an Annuity?

An Annuity is simply an insurance product that guarantees income – usually during your retirement years, but can also be used to meet other long-range goals. An annuity may be purchased with either a single payment or a series of payments or contributions. Then the insurance company is obligated to make regular payment to you either immediately or at a scheduled date in the future.

There are four different types of annuities. At Annuity Watch USA, we specialize in fixed index annuities, and when you understand the basics of each type, you will see how fixed index annuities stand out above the rest. So, let’s start by taking a look at each of the four types of annuities. Read More

Consider a longevity annuity for a long retirement

Monday, November 9th, 2015 and is filed under Annuity News, Retirement Income Annuities

Longevity AnnuityPreparing for retirement can be confusing, overwhelming, and stressful. After all, there’s no way of knowing what the future may bring, and the planning process with this in mind can be a true challenge. No matter how diligent you are with savings and retirement accounts, if you outlive your life expectancy, you may find yourself short on money without anywhere to turn.

In order to make sure you have the support you need later in life, a retirement income generator that will pay out far in the future when you need income most can be a strong asset. Annuities are frequently favored for this option, providing steady payments in regular amounts long after your last paycheck has been deposited. If you are hoping for a long life and are worried about outliving your assets, a qualified longevity annuity contract may be the solution you’ve been looking for. Read More