The Highest Annuity Bonus Accounts
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Are you searching for the highest bonus annuity accounts? Our independent annuity brokerage offers the best premium bonuses on first year and additional yearly deposits. Interest rates and bonus amounts on annuities are constantly changing. It is best to give us a call to compare current yields and illustrations available in your state of residence. [...]
March 30, 2011
Category: Annuities, Articles, Retirement Planning
Is An IRA Annuity A Good Investment?
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Conservative investors looking to protect a portion of their individual retirement account will often consider an annuity as a means to establish predictable growth and reliable income now or in the future. IRA annuity investments provide steady growth and are ideally suited for required minimum distributions. There are several types of annuity accounts to choose from, but […]
February 23, 2011
Category: Annuities, Articles, Retirement Planning
Annuity Surrender Charges and Penalties
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Let’s face it, sometimes annuities get a bad rap in the investment world and perhaps some of that is deserved. In fairness, those who are talking down these accounts are usually trying to sell some other financial product. However, the bottom line is investors are usually and understandably concerned about access to their deposited funds. Safe […]
August 19, 2010
Variable Annuity Complaints
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There are three types of deferred annuities for investors to choose from in order of least to most risk: fixed, fixed-indexed, and variable. Variable accounts are most risky as they are directly tied to the ups and downs of the overall stock market which is why you you see variable annuity complaints. In an attempt […]
August 9, 2010
Annuity Proceeds: Beneficiary Designation, Probate and Passing
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Unfortunately, there is quite a bit of misinformation that has spread about annuity investment contracts. What is not clear is whether these untruths are intentional or a general lack of knowledge, but it is beyond time to set the record straight. One of the biggest concerns potential annuity investors have is what happens to their money […]
July 1, 2010
Category: Annuities, Articles, Retirement Planning
Index Annuity with the Highest Returns
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As an annuity agent, I am often asked which insurance company offers an indexed annuity with the best returns. And that is not an easy question to answer. There are dozens of companies offering several fixed indexed accounts each. However, I did come across an annual statement recently that even amazed me – and I have […]
May 20, 2010
Indexed Annuity Returns Over 15%
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Indexed annuity accounts credit interest based on the performance of chosen stock and bond market indexes, however they are not variable in nature and have no direct market exposure. This simply means that when the market goes down, there is no risk of losing your invested principal or interest gains from previous years. During the past twelve months, […]
May 6, 2010
Insurance Policies That Lower Your Income Tax Obligations
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It’s April 15th and while many have already filed their tax returns, some are still scrambling to get their documents in on time. Thus, it is an appropriate time of the year to talk about different ways to reduce your income taxes. If you wish to reduce the amount of taxable income on your 1040 or are […]
April 15, 2010
Category: Annuities, Articles, Life Insurance, Wealth Transfer
Indexed Annuity Accounts – The Role of Spreads, Caps, and Participation Rates
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If you are considering investing in a fixed indexed annuity, you should become familiar with a few terms. Almost all indexed annuities have internal moving parts referred to as spreads, caps, and participation rates. The fluctuations of these moving parts can significantly affect your annuity’s rate of return now and in the future. Insurance companies will adjust their […]
March 12, 2010
Life Insurance & Annuity 1035 Exchanges
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You may wish to exchange your old annuity or life insurance policy for a new one for any number of reasons. Section 1035 of the IRS tax code allows you to do so while deferring any taxable gains in your old policy. The accumulated gains in your old policy can be transferred to a new [...]
March 2, 2010
Category: Annuities
Qualified and Non-Qualified Annuity Accounts
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Regardless of the type of annuity account you own (fixed, indexed, immediate, or variable) it will fall into one of two categories; qualified or non-qualified. Your options will depend which type you have and/or inherit. An annuity cannot be both qualified and non-qualified. It's one or the other. There are significant differences between the two [...]
September 30, 2009
Category: Annuities, Articles, Retirement Planning
What is Guaranteed Annuity Income for Life?
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As the overall markets have swooned and once plush retirement accounts have lost value, you might be interested in a guaranteed lifetime stream of income. Commercials are more prevalent and many financial firms are now advertising the merits of this simple concept. But what are the financial products behind these guarantees and how can you benefit from lifetime […]
July 15, 2009
Category: Annuities, Articles, Ohio Annuity, Retirement Planning
The 403(b) Account – Transfers, Rollovers, Taxes, and Insurance
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A 403(b) account is also known as a Tax Sheltered Annuity or TSA. These accounts can take many forms, but most typically are setup as a fixed or variable annuity. Teachers, employees of non-profits, and certain ministers can contribute during their working years should their employer offer this retirement option. Other investment options might include mutual funds […]
April 2, 2009
Category: Annuities, Articles, Retirement Planning
When to Purchase an Annuity Policy – Now!
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There are certain economic cycles that occur every few years which drive up the interest rates in fixed annuity accounts. We are in one of those cycles now. Savvy investors can lock in very high annuity rates (yields/returns) that did not exist only a year ago. View Current Fixed Annuity Interest Rates Economic Turmoil Benefits Fixed Annuity Accounts […]
November 17, 2008
Current Annuity Interest Rates
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Federal Reserve recently lowered key interest rates in order to battle the current credit crisis. This is not good news for bank investors who have relied on certificates of deposit and money market savings accounts to save and/or generate income. When inflation is factored in, most bank instrument’s returns are at historical lows. Additionally, the volatility in […]
October 31, 2008
Category: Annuities, Articles, Ohio Annuity