Annuity Riders Explained

What is an annuity? An annuity is a financial product designed to accept and grow funds from an individual and then generate a stream of payments at a later point in time. Annuities are primarily used as a means of creating a steady cash flow for individuals during their retirement years. There are two basic … Continue reading

Positioning indexed annuities in low interest rate environments

Three reasons why waiting before investing in FIAs may not be in the client’s best interest. Everyone is feeling the pressure of low interest rates these days — consumers, producers, distributors and manufacturers alike. If you’re like me, you are checking treasury rates two to three times a day … sometimes more. This pressure has … Continue reading

Retirement tools to consider: Fixed indexed annuities and in-service withdrawals

Both can be used to help ensure clients have retirement income that lasts. The recent economic downturn and slow recovery have significantly impacted Americans’ plans for retirement, and many of those looking toward the future are being forced to change their expectations. One-quarter of working Americans have changed their expected retirement age, according to the … Continue reading

Annuity Round Table: Annuities Are Compelling Products, Even In Today’s Interest Rate Environment!

Q: We were all surprised at the conviction of Glenn Neasham for wrongfully selling an annuity to an 83-year-od woman. Do you believe that this conviction is fair? Has this situation influenced your business? If so, how? What long term ramifications do you believe this situation will have on future annuity sales to senior citizens? … Continue reading

Hit the Gas

Are contingent deferred annuities getting in gear or just spinning their wheels? The recent debate among state insurance commissioners as to the regulatory status of contingent deferred annuities has focused advisors’ attention on new solutions that, if demand takes off, could significantly boost the market for insurance products in the retirement income planning space. Such … Continue reading