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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