Deferred Annuities

What is a Flexible Premium Deferred Annuity?

If you are considering the purchase of an annuity for retirement income, you’re not alone. With traditional pensions becoming more and more scarce, investors who are looking to replace the steady stream of income in retirement are finding that annuities are one of the only products that can provide one. But not all annuities are alike, and before signing on the dotted line, it’s crucial that you do your due diligence in educating yourself on the options. One option is the... Read More

Securian Financial Launches New MYGA

A new fixed deferred annuity from Securian Financial has just been launched, designed to give financial professionals a competitive edge in the MYGA market. According to a recent press release, SecureOption® Choice includes product features meant to help clients plan for their financial future, offering guaranteed interest throughout the term of the annuity with no exposure to market risk.Issued by Minnesota Life Insurance Company, SecureOption® Choice features:Competitive rates ... Read More

Brighthouse Financial Launches Two New Fixed Annuity Products

One of the country’s largest annuity and life insurance providers, Brighthouse Financial, is adding two new fixed annuity products to their line-up, according to a recent article from InsuranceNewsNet. BrighthouseSM Fixed Rate Annuity and BrighthouseSM Fixed Rate Annuity MVA will both be sold through Brighthouse Life Insurance Company, and will “reflect the company’s commitment to providing  tailored set of annuity and life insurance products that respond directly to the needs of... Read More

Keep It Simple When Shopping Annuities

One of the most common phrases surrounding annuity product is that they aren’t bought; they are sold. The saying originates from the fact that annuities are often very complicated and can sometimes be very expensive, often carrying heavy commissions for advisors who sell them. Unfortunately, the saying has proven to be true in many circumstances.It’s important to keep a few key ideas in mind when considering the purchase of an annuity. Remember that annuities are insurance products... Read More

Annuities: You Can’t Always Believe What You Read

When you see a headline involving annuity products, the words “bad,” “scary,” and “avoid” often are included. Obviously, the use of such words has created a bit of an image problem, driving many investors to steer clear of all annuities. Lumping all such products together and determining them all to be “bad” is quite a disservice, as there are vast differences between the many available products. According to a recent Kiplinger article, there are two main product types in the... Read More

Reduce Your RMD with a Qualified Longevity Annuity Contract

You’ve worked hard your entire life to stash away your hard-earned money into 401(k)s and IRAs, and you’re finally ready to retire. First of all, congratulations! Now, it’s time to deal with your tax dilemma. Generally, you have to start taking required minimum distributions (RMD) when you reach the age of 70 ½, and sometimes this amount can be somewhat substantial. So substantial in fact that it could trigger higher federal income taxes, an increase in Medicare premiums, and taxation of... Read More

Legacy Announces New Deferred Indexed Annuity Line

In an effort to offer consumers more choice, control and flexibility, Legacy Marketing Group has just announced the launch of FlexMark Select (SM) Series single premium deferred indexed annuities. According to a recent article from Annuity Outlook Magazine, the products were developed with “A” rated Ameritas Life Insurance Corp., and offer opportunities for earnings potential, upgraded income riders and up to 20% liquidity potential.“This product series is designed to give Producers... Read More

Working With RMDs

Many of us spend the majority of our working lives stashing money aside in a variety of retirement funds, just waiting until we’re able to finally enter our Golden Years. But did you know that you can’t keep your retirement funds in those accounts indefinitely? In general, you have to start taking withdrawals from your IRA, SIMPLE IRA, SEP IRA or retirement plan account when you reach the age of 70 ½. The minimum amount you must withdraw is known as the required minimum distribution, or... Read More

Retirement Strategies: I’ve Maxed Out My IRA Contributions

An IRA, or Individual Retirement Account, is a great option for saving for retirement, especially if you don’t have access to a 401(k) plan through your employer.  While these savings accounts offer big tax breaks, they have one major drawback: the annual contribution limit. In 2017 you are allowed to contribute up to $18,000 to a 401(k) account, plus a $6,000 catch-up contribution if you’re over the age of 49. But it’s a different story with IRAs. The contribution limit for 2017 is just... Read More

Should Your Retirement Plan Include an Annuity?

Most people who have started to think about their retirement plan realize that a pension or Social Security alone will not be enough. It’s important to pan and save using an array of strategies. Some of your funds will likely come from Social Security and some from personal savings. If you don’t have a pension to rely on, you might want to consider buying an immediate annuity to help guarantee you’ll have some monthly income throughout your lifetime.Annuities are basically contracts... Read More

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