Annuities

What Do I Need to Know About Annuities?

The goal of Annuity Watch USA is to educate the public on how annuities really work. This site dispels myths, explores nuances in annuity products and explains how annuities add to your retirement portfolio in plain English. We have provided a wealth of information, but every person’s financial situation is unique, so we always encourage those with specific questions to set up an appointment with one of our annuity experts.

Learn About Annuities

Let’s Talk Annuities


With the volatility we’re experiencing in the market today from increasing interest rates to political unrest, retiring with confidence is becoming harder to do. With all the highs and lows, […]

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What is a fixed index annuity?


A question we hear quite often is, “What is a fixed index annuity?” It’s a very valid question because fixed index annuities are unique among the various types of annuities […]

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Compare the Best Annuity Companies


When 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 […]

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Annuity Payout Rates


In our last article, we talked about growth guarantees that help maximize the income value of Fixed Index Annuities (FIA). With income in mind, let’s shift our focus to annuity […]

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Annuity Growth Rate Guarantees


So 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 […]

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Fixed Index Annuity Basics


In 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 […]

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Four Types of Annuities


Before 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 – […]

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How do annuities make money?


Annuities are popular retirement planning vehicles where a large principal payment is held with an insurance company in exchange for regular sums paid out over a predetermined period of time. […]

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Buying an Annuity: A How-To Guide


If 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 […]

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Fixed Annuity Sales Soar in 2016


Whether it’s on your mind or a far-away concept, retirement is somewhere on the horizon. Even if you plan to work forever or would rather not plan for a situation […]

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IRS Announces 2016 401(k) & IRA Changes


With the promise of a new year comes many things: resolutions, a chance to start over, and, of course, new tax legislation. The Treasury Department announced its inflation-adjusted limits for […]

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3 Annuity Questions Answered


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 […]

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What’s Wrong with Annuities?


Let’s just get it out in the open. Annuities have a reputation for being the bad boys of the investment world. And, not in a good, Marlon Brando kind of […]

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401(k)s Now Have Annuity Options


401(k)s Now Have Annuity Options: Protection for Your Investment In October of 2014, the United States Treasury Department issued guidelines that are meant to encourage employers to enable employees to […]

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3 Income Annuity Questions That Matter Most


With a seemingly endless parade of insurers offering a never-ending selection of annuities, shopping for income annuities can be a daunting process. Many baby boomers planning for retirement become overwhelmed […]

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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 […]

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Power-Up Annuities for Steady Retirement Cash Flow


Outliving retirement savings. That’s what many retirees—and those approaching the retirement ranks—cite as their number one fear. Generating reliable streams of retirement income used to be a straightforward process, one […]

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Taking the Hybrid Annuity Road


Security. Flexibility. Growth. In the world of retirement savings, vehicles with these features can be pure gold. Hybrid annuities feature each of these elements, and may be the antidote to […]

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5-Year Fixed Annuity at 3.35 Percent


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! […]

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Real Estate Indexed Annuities


A real estate indexed annuity is a unique product that is tied to the Dow Jones Real Estate Index. The Dow Jones U.S. Real Estate Index includes Real Estate Investment […]

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Fixed Index Annuities Vindicated


Over the years, annuities have gotten a bad rap in the investment world (see “Annuities: The bad boys of the investment world?”). The trouble is some of the most vocal […]

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Annuities as Income


If you are thinking about retirement, about to retire, or you’re retired and are concerned about your future finances, let me ask you a question. Suppose your rich uncle just […]

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Understanding Fixed Index Annuities


A fixed index annuity (FIA) is a contract between you and an insurance company designed to help you achieve your long-term retirement goals. In exchange for your premium payment, the […]

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Understanding Immediate Annuities


Immediate annuities are the simplest type of annuities. You give the insurance company a sum of money, the premium, and they give you a payout each month for the rest […]

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Understanding Fixed Annuities


A fixed annuity is a contract between you and an insurance company. You pay the insurance company, through an agent, a premium that grows tax deferred over time by an […]

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Understanding Annuities


Understanding annuities is not difficult once you understand that there are multiple types of annuities. There are essentially four major types of annuities – immediate, fixed, variable, and fixed indexed […]

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Safe Money and Annuities


In a recent article by Scott Burns titled “Best place for ‘safe money’ may be in CD-like annuities“, a reader had emailed the following question. “My wife and I are […]

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401K Rollover to Annuity


The benefits of a 401K rollover to an annuity are explained by Safe Money Talk Radio’s Cathy DeWitt Dunn and Matt Redding. Watch this informative video before you roll over […]

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The Truth About Annuities – Part 2


Part 2 in a series where Safe Money Talk Radio annuity experts Cathy DeWitt Dunn and Matt Redding separate fact from fiction and tell you the truth about annuities. Continued […]

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Should I Buy an Annuity?


On our Safe Money Talk Radio Show, we are often asked “should I buy an annuity?” However, we cannot answer with certainly until we know more about you and your […]

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The Modern Day Annuity


The financial world has changed, no question. And, when it comes to annuities, this is a great thing! Insurance companies have listened to what consumers are truly looking for and […]

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Growth and Income Annuities


Some financial advisors may tell you that you will spend less money in retirement than what you are spending now. We don’t believe this line of thinking. That’s just not how […]

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How to Protect Against Stock Market Loss


We have all heard stories from our parents or grandparents about forgoing bank accounts and sticking money under the mattress during the economic nightmare that was the Great Depression. Now, […]

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Worried You’ll Live Too Long?


Most people will agree that living longer is a blessing if, of course, we keep our health and have the financial means to live life to the fullest without becoming […]

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Annuity Myths and Facts


At Annuity Watch USA, we specialize in helping individuals and families understand various retirement income planning options that can help them create a more secure feature. One great option is […]

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Learn About Annuities


To discuss whether a fixed income annuity may be an appropriate solution, contact us today. Let us do the work of navigating through the many companies and products that are out […]

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Is an Annuity Right for Me?


A question that we hear quite often around here is, “Is and annuity right for me?” That’s also a question we talk about in great depth each week on our […]

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Focus on cash flow during retirement


I recently came across a post on a large national newspaper’s blog talking about how investors should focus on generating cash flow during their retirement years. This makes a lot […]

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Fixed Index Annuities


A Fixed Index Annuity is an insurance contract between you and a life insurance company. You pay premium to the insurance agency in return for regular income payments over a […]

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