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Annuity FYI's Annuity Warnings -- Read Before You Invest!

Annuity Warning #8: Immediate Annuity Payout Rates

Immediate annuity payout rates as high as 20%? Learn why payout rates are misleading and should be ignored when considering immediate annuities. Read this before you invest!

Annuity Warning #7: Variable Annuity Rider Buy Backs

Beware if an insurance company contacts youoffering to pay a one-time lump sum to void one or more of the provisions of your variable annuity rider, such as a GMIB or lifetime income riders. This almost always is NOT in your best interest. Read this before you invest!

Annuity Warning #6: L-Share / Short Surrender Annuities

Beware if your financial advisor is trying to sell you an annuity with a shortened (3-4 year) surrender period. They cost you more and pay your advisor a higher commission. Read this before you invest!

Annuity Warning #5: Fixed-Indexed Annuities

There are many pitfalls to buying a fixed-indexed annuity. Read this before you invest!

Annuity Warning #4: Fixed Annuity Rates

Is your fixed rate annuity really fixed, or will it decrease over time? Read this before you invest!

Annuity Warning #3: Variable Annuity Transfers

Is your financial advisor encouraging you to transfer your variable annuity to another one to improve performance? Read this before you transfer!

Annuity Warning #2: FINRA Broker Lookup

Prior to purchasing an annuity, do a simple lookup of your financial advisor on the FINRA's website. Read this before you invest!

Annuity Warning #1: Pre-Purchase Annuity Checklist

Prior to making a purchase, consider the following about the annuity, the insurance company issuing the annuity, and the broker selling it. Read this before you invest!

 

Updated 4/16/2014.