SPIAs Trump DIAs & QLACs in Many Scenarios

Have you ever done a comparison of deferred income annuities and single premium immediate annuities? Lately, DIAs have been getting a lot more attention partly because of the Treasury Department making them easier to use in retirement plans. DIAs are getting searched on Google ten times more than SPIAs, but sales of SPIAs are still three times that of DIAs. Both products have benefits that are worthwhile to different individuals and families planning for their financial future. Joe Tomlinson... Read More

Are Annuities the Donald Trump of Retirement Income Planning?

For The Wall Street Journal article, "Why Investors Should Consider Annuities," Morningstar's David Blanchett looked into whether or not annuities are good for personal retirement planning. He likened annuity products to Donald Trump because people tend to love them or hate them, much like the current Presidential candidate. The majority of financial planning researchers agree that annuity products can be a good option for most retirees because they create a personal pension from your... Read More

How to Use Longevity Annuities as QLACs

Longevity annuities are one of the newest financial planning tools for retirees who have a good chance to live a very long life. While they have been around longer, they've had a steep uptick in attention over the past year. A lot of this attention has come from the government's support of these longevity annuities, also referred to as deferred income annuities. The U.S. Treasury Department recently classified them as Qualified Longevity Annuity Contracts and specified their rules for how these... Read More

No-Return Deferred Income Annuities Greatly Increase Payouts

Deferred income annuities have skyrocketed in popularity over the past couple of years because of their affordable guarantees and their increasing use as QLACs in defined contribution plans. There is a new trend with deferred income annuity products that could drastically increase those already valuable payouts. Cyril Tuohy said that this "Hot Deferred Annuity Trend Can Nearly Double (your) Payout" in an article for Insurance News Net. You cannot outlive the income payments you receive from... Read More

Annuity Information Abounds Online

There is a wealth of information online to support people interested in purchasing annuity products, as well as the brokers and advisors who sell them. In this advanced technological time, online tools are crucial to the annuity industry and help overall annuity sales. In "Online tools, information, research support annuity sales," LifeHealthPro's Peggy Bresnick gathered a list of some of the most important sites available for this type of research. These online resources can help explain the... Read More

Consumers Want Guaranteed Lifetime Income Options in DC Plans

Americans are looking for lifetime income and providers are responding to this demand with new and improved products for defined contribution plans. In Plan Sponsor's "Providers Respond to Participants' Call for Lifetime Income," John Manganaro talked about how the retirement income industry is evolving. Both insurance companies and asset managers have been working to improve products for investors looking to guarantee a lifetime stream of income from their defined contribution plans. A recent... Read More

Innovation is Key for Annuity Industry

Innovation is the key word in the annuity industry right now. Some carriers are early to the game, while others still have some catching up to do. In LifeHealthPro's "These are the top 5 trends shaping the annuity market," Gerry Murtagh discussed in depth what is happening now and what 2016 will bring for annuities. The main factors shaping the current market are our increasing longevity, persistent low interest rates, an aging Baby Boomer population, market volatility and the DOL's proposed... Read More

Indexed Annuity Benefits & Costs Effected by Mortality Table Changes

Fixed indexed annuities are getting a little more expensive and a little less generous, something that may go unnoticed to the untrained eye. This information comes from Insurance News Net's article "FIA Terms Tighten Despite Strong Sales," by Cyril Tuohy. Third quarter fixed indexed annuity sales were $14.3 billion, which was an increase of 22% from the second quarter. Those sales brought the total yearly fixed indexed annuity sales figure up to $38.4 billion. Even though sales are strong,... Read More

Fixed Indexed Annuities Replacing Traditional Variable Annuities

It's not your parents annuity marketplace anymore, according to Linda Koco of Insurance News Net. In her article, "FIAs Give Traditional VAs A Jolt," she summarized recent annuity data from Cerulli Associates about the state of the annuity market. The most notable research found that fixed indexed annuities are giving traditional variable annuity products a run for their money. This is because of the living benefit features offered by indexed annuities. The compound annual growth rate for fixed... Read More

Make Sure Your Annuity Benefits Are Guaranteed

Annuities are purchased for many reasons, the most common of which should be the guarantees they offer.  Stan "The Annuity Man" Haithcock believes that guarantees should be the only reason that you purchase an annuity product. In his Marketwatch article, "The only two annuity questions that matter," he says to make sure that you have contractual guarantees with your annuity products. There are a lot of different promises made in annuity advertisements. Unfortunately, some of those promises are... Read More

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