Speak with a Registered Agent: 1-866-223-2121

Speak with a Registered Agent: 1-866-223-2121

Fixed Annuities Beat Longevity Risk


In the The New York Times, Mark Hulbert’s “Beyond the Longevity Tables” speaks about academic researchers recommendation of fixed annuities.  These researchers have long been fans of fixed life annuities which guarantee a specific yearly payout until the investor, or their spouse, passes away.  The article compares a 65-year old woman investing $100,000 in treasury securities for her life expectancy of 20 years.  If she lives longer than that life expectancy, which one in three women do, she will outlive her money.  But the same woman investing the same amount in a fixed life annuity would have a higher monthly return and would receive her payments for as long as she lives.

Investing in riskier assets has the potential for yielding higher returns but can, unfortunately, lead to significant losses as has been shown in the past year or two.  That is why the academic researchers and other experts have noted the benefits of fixed annuities for years.  The president of a financial planning firm in Florida believes that “there is no other real alternative to dealing with longevity risk.”  It is always important to shop around for the best fixed annuity rates and to use a reputable financial planner.

For more information about the product mentioned in this article contact us here:

Newest Blog Posts

Information Request Form

If you have questions or would like more information, please complete this form and a licensed professional will be happy to help. For the fastest response, please select 'Phone' as your Contact Preference.

By providing your information and clicking 'Submit' above, you acknowledge that you have read and agree to this site's privacy policy. You also provide your consent to be contacted at the email address or phone number provided above (including any wireless number) by licensed agents or representatives from or on behalf of AFYI Holdings Group, LLC and other companies to provide the information requested and/or offer annuities or financial products. You understand that these calls or SMS messages may be generated using an automated telephone dialing system, a pre-recorded message, or artificial voice. Consent to receive such messages is not a condition to purchase any goods or services. You may opt out at any time by following the instructions in the messages you receive.  Receiving quotes and information through our website is free, and you are under no obligation to purchase any goods or services as a result of this request. You affirm that you are the subscriber of the provided telephone number or that the subscriber authorized you to provide the number. Message and data rates may apply. AFYI Holdings Group, LLC is committed to respecting your privacy and adhering to all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA).