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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 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

Buying an Annuity: A How-To Guide

Monday, December 19th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

The Process of Buying an AnnuityIf you are retired or planning for retirement, you may have learned that transferring the burden of generating lifetime income and managing market risk to an insurance company makes a lot of sense. Peace of mind and guaranteed retirement income come through the purchase of an annuity.

But which type of annuity is right for you? Which company should you trust your hard-earned retirement money to? Who has the highest returns with the best income payouts? Where do you even start? Read More

About Annuities – 7 Things You Need to Know

Wednesday, June 15th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

About Annuities - 7 Things You Need to KnowWith 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

Questions to Ask BEFORE Buying An Annuity

Monday, December 8th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Annuity Contract QuestionsChoosing 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

Should I buy an income annuity?

Monday, October 20th, 2014 and is filed under Uncategorized

Should I buy an income annuity?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

5-Year Fixed Annuity at 3.35 Percent

Wednesday, September 17th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Frustrated by money sitting around earning next to nothing? Thank goodness there’s now a smarter, short term 5-year option that beats the performance rates of money markets, CDs, and more!

Earn better returns: 3.35% versus ~1% from a CD

Unlock the interest. Unlike a CD, you can take the interest to live on without penalty. Choose either monthly or annual distributions after the 1st year. Read More

Annuity vs. 401k – Income as the Outcome

Tuesday, February 25th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Annuity vs 401kRelying on a 401(k) as a main source of retirement income is sort of like buying a Smart Car to pull your boat. When planning for retirement, just like in practical everyday life, success depends on choosing the right vehicle for the job.

So what makes the 401(k) the wrong vehicle for producing income? Simply put, 401(k) plans were created to be supplemental savings vehicles, not income generators. Let’s look at the annuity vs 401k plan as a retirement income stream and see who comes out on top. Read More