Fixed Index Annuities Educational 8 Part Video Series

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Welcome to the “Insuring Your Retirement” Video Series


The Four Types of Annuities

This video, the first in the educational series “Securing Your Retirement”, answers the question: “What is an Annuity” and explains the four types of annuities to choose from.

Fixed Index Annuities Basics

The second video in the series reviews Fixed Index Annuities (FIAs). This type of annuity is often the best fit for Annuity Watch USA clients. FIAs carry many of the benefits of other types of annuities while avoiding many of the potential compromises carried by other annuities.

Principal Protection

The third video in this series covers how principal protection works with FIAs. Capitalizing on market gains without risking your initial investment principal may seem too good to be true. In this video Cathy explains how insurance companies are able to offer annuity packages that do just that!

Crediting – Point to Point

The fourth video in this series explains the first of three common crediting methods for annuities. A crediting method dictates how earnings are calculated and divvied up throughout the year. This video covers the pros and cons for point to point crediting.

Crediting – Monthly Sum

The fifth video in this series reviews the monthly sum crediting method for annuities. Monthly sum crediting determines market gain or loss by the month by comparing two snapshots of market levels per month. If the market has gone up during this period, you will receive gains.

Crediting Methods – Monthly Averaging

The values of the index are recorded once per month and averaged together at the end of the contract year. You receive gains based off of the average gains shown during this time period.

Income Rider Guarantees

Income Riders are enhancements that can be added to annuity contract that add separate income values designed to grow faster than your annuities’ cash value. There are several options for income riders to choose from, so it is important to consider all of the options offered by the insurance company before making a final decision.

Payout Rates

Our final video in the series focuses on payout rates. How much money you will receive based on market growth and the other factors outlined in your annuity contract.

Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

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