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

What Insurance Company Ratings Actually Mean – Choosing an Annuity Investment


What Does an Insurance Company Rating Really Mean? Before making a significant investment, we recommend researching the insurance companies you’re considering. One method of comparing insurance companies is to look […]

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Types of Annuities: Is Variable or Fixed Index Better?


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 […]

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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. With income in mind, let’s shift our focus to annuity payout […]

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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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Inflation-Protected Annuity Q&A with Cathy DeWitt Dunn on U.S. News & World Report


With people living longer and spending an average of 18 years in retirement, inflation has the potential to wreak havoc on your retirement plans unless precautions are taken. Let’s say […]

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Retirement Annuity Crediting Methods – Monthly Sum


In 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 […]

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Point to Point Annuity Crediting Method


A question we hear quite often is, “How does a fixed index annuity make money?” That’s a great question because there are a lot of options available when it comes […]

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Annuity Principal Protection Explained


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 […]

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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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Multiple Retirement Accounts – Think Outside the 401k Box


Though saving with a 401(K) is easy and you get a tax break, there is also something to the adage that it is possible to have too much of a […]

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DOL Fiduciary Rule and Annuities – In Your Best Interest


It’s Time…You have done your due diligence and you’re ready to choose a Financial Professional to help you purchase an annuity with some or all the money you have saved […]

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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 Index Annuities’ Top 5 Myths, Debunked


Many Americans worry that retirement will bring not leisure, but financial hardship. Unfortunately, their fears are valid. More than 25 million Americans aged 60+ are economically insecure, living at or […]

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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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About Annuities – 7 Things You Need to Know


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 […]

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J.P. Morgan MOZAIC Index – Fixed Index Annuity


Consistent, steady growth in a variety of market environments Since it was established in 2009, the J.P. Morgan MOZAIC Index has delivered a 69% higher return than the S&P 500. The Nationwide New […]

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How do Fixed Index Annuities Make Money?


With fixed index annuities, your money earns interest based on any positive changes to an external index, such as the S&P 500, over a set period of time. If the […]

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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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Innovative New Annuity Products Hitting the Market


Planning for retirement can be a confusing and stressful process, from the limitless array of investments available to complex end-of-life decisions. Making the choices that will be right for you […]

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The Evolution & History of Fixed Index Annuities


In the world of retirement planning, Fixed Index Annuities or FIAs have grown up and weathered the storms of adolescence to become a well rounded and stable retirement income choice. […]

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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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Fixed Indexed Annuities Cross 20-Year Threshold


This year marks the 20th anniversary of the introduction of fixed indexed annuities (FIA). It’s been a ride of fits and starts . The history of the FIA passed the […]

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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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An inside look at what’s driving Annuities in 2015


Annuities are more popular than ever and it’s fixed index annuities that are leading the pack. Dynamic growth propelled the annuity industry in 2014, according to Annuity News, with fixed […]

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Questions to Ask BEFORE Buying An Annuity


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 […]

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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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Can a 7% Annuity Outperform an 8% Annuity?


It may sound like a trick question, but the answer is simple. An account earning 8% simple interest earns less over time than an account earning 7% compound interest. A […]

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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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QLACs Beat the Longevity Conundrum. And the IRS


Longer life expectancy and more years spent in retirement are two realities confronting the baby boom generation—and generations beyond. But longevity can be a mixed blessing. Saving and preserving a […]

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The Annuity Cap Explained


The annuity cap can be a bit confusing. Is it annually? Is it monthly? How does it work?

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Annuity Income Riders for Fixed Index Annuities Explained


“Consumers are practically bombarded with annuity marketing these days. Retirees need to know a retirement income plan is about much more than a flashy interest rate. Get the facts, and […]

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What You Don’t Know About Equity Indexed Annuities Could Hurt You


In the past couple of decades, annuities have become more popular with financial advisors and retirees for retirement planning. In many cases, annuities can be a valued part of a […]

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Annuity vs. 401k – Income as the Outcome


Relying 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 […]

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Fixed Annuity Sales Skyrocket As Consumers Seek Safety


The popularity of annuities – especially fixed index annuities – with people planning for retirement is on the rise. Americans are living longer and longer, so guaranteed lifetime income is […]

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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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Fixed Index Annuities are the new Bond Alternative


When you purchase a bond, you are lending money to an issuer that is usually a government, municipality, corporation, or federal agency. In return for that money, the issuer promises […]

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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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Sell stocks in May, then what?


by Cathy DeWitt Dunn – There is a mountain of data showing that the best time to sell stocks is in May and to stay out of the stock market […]

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8% Guaranteed Rate of Return on Income Annuities! Really? [Video]


With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on the surface. If you are […]

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A Fixed Index Annuity Solves the 7 Biggest Retirement Fears (Video)


Find out how a fixed index annuity can solve the 7 biggest retirement fears of the Baby Boomer generation! Safe Money Talk Radio’s fixed index annuity experts, Cathy DeWitt Dunn […]

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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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No to Variable Annuities Says Suze Orman


Financial advisor, author, motivational speaker and television host Suze Orman shares her dislike of variable annuities in this short video. At AnnuityWatchUSA.com, we agree.

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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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The Truth About Annuities – Part 1


Myth. Annuities are very complicated to understand and own. Reality. The concept of a fixed index annuity is very simple. In return for a lump sum purchase of an annuity […]

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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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How a 62-year old Texan met his retirement income goal with just $500K


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 of […]

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Buying an Annuity – Making the Right Choice


If you are one of millions of Americans who are considering buying an annuity, you may be feeling a bit overwhelmed. There are literally thousands of websites you could visit […]

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Inflation Indexed Annuity – Don’t Let Inflation Bite Into Your Retirement Income


Regardless of whether you’re retiring tomorrow or ten years from now, inflation can take a toll on your retirement nest egg. Don’t be part of the majority of people who […]

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The Biggest Retirement Planning Myth for Baby Boomers


While some financial advisors may tell you that you’ll probably be spending less money in retirement than what you’re spending now, we don’t believe it. We think this is a myth…and we want […]

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The Annuity Revolution – A portfolio approach to income, growth, and liquidity


A fixed index annuity is the only asset in the world that provides a contractually guaranteed lifetime income. A bond can’t do this. A Certificate of Deposit can’t do this. […]

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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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Top 10 reasons not to buy a fixed index annuity


For over 25 years David Letterman’s Top 10 lists have consistently proven to get some good laughs about topics of the day. Now, Cathy and Matt turn the top 10 […]

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Baby Boomer Longevity and the Fixed Index Annuity


Safe Money Talk Radio’s Cathy DeWitt Dunn explains the advantages of a fixed index annuity for the Baby Boomer generation. Free Annuity Educational Videos As baby boomers plan their retirement, […]

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Annuity with 8% Compounded Rate of return! Guaranteed!


Guaranteed annuity? Not so fast… With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on […]

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Don’t Settle for Just an Income Annuity


Annuities come in all shapes and sizes…and “lifetime income” is just part of the story. And, here’s a dirty little annuity secret: there’s a steep price to pay for that […]

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59 1/2 – The Magic Age for Retirement Income Planning


When most people hit the magic age of 59 ½, retirement is just a few years away… and it’s time to get serious about putting a plan in place that […]

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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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Questions to Ask When Considering Fixed Index Annuities


As with all retirement income planning solutions, there are pros and cons to fixed index annuities. In order to protect yourself, it’s important to know what to look for when […]

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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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