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Fixed Annuities: Facts vs Fears

In an effort to secure the financial resources to maintain a comfortable retirement lifestyle, many consumers are looking at fixed annuity products to compliment their 401(k), IRA and/or Social Security.  A fixed annuity offers a guaranteed interest rate and can be structured to pay out a lifetime income stream.  But there is still a lot of confusion about investing in an annuity, and with so much negativity about the products in media, it’s easy to understand why some are... Read More

Security, Safety Lead to More Record Breaking Annuity Sales

First quarter annuity sales numbers are in, and once again record highs have been reported.  Some financial experts are suggesting a desire for security and safety is the leading cause for the continued increase, according to a recent article from the Pittsburgh Post Gazette. “Annuity sales in the first quarter are definitely a reflection of a flight to safety,” said Teodor Panaitisor, a research analyst at Limra Secure Retirement Institute.  “Looking at the numbers, we can assume... Read More

The State of Fixed Annuities

According to a recent Forbes article, most major asset classes had negative returns in 2018, and the world’s largest asset manager is warning of a 30-40% chance of a recession by 2020. Additionally, after a couple of years of consistent rate increases, the Fed has put a hiatus on any others. The combination of these factors make guaranteed returns, found in short-term CDs or longer-term fixed annuities (MYGAs), much more attractive. For those who aren’t familiar, CDs are offered for... Read More

Protection and Liquidity With New Great American Annuity

For consumers who are looking for greater liquidity while growing their money without concern for market volatility, Great American Life has something to offer. Earlier this week, the Cincinnati based company announced the launch of a new fixed annuity product, the American Freedom ClassicSM 3, according to a recent press release. The new annuity is offering a fixed interest rate guaranteed for the initial three-year term. At the conclusion of the first term, consumers will have 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

3rd Quarter Report: Fixed Annuity Sales Continue to Rise

Sales of non-variable annuities continue to rise as recently reported in the latest Wink’s Sales & Market Report. According to an article from InsuranceNewsNet, in the third quarter of 2018, sales jumped 4.72% from the prior quarter and a whopping 46.26% when compared to the same period in 2017. Indexed, traditional fixed and MYGA annuity products were included in the report. Third quarter report highlights include: Indexed annuity sales increased more than 2% when compared to... Read More

Planning to Purchase An Annuity? Consider This First

It seems as if annuities have been a hot topic again as advisers and investors continue to wonder when the next financial crisis will hit. It’s been a decade since the last major downturn causing many folks to start bracing for the next one. Whether looking to maximize the benefits of tax-deferred accumulation or create an immediate stream of protected retirement income, annuities are unique products that might be useful in your portfolio. There are several different types of annuities,... 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

Global Atlantic First to Offer Annuities via Envestnet Insurance Exchange

Global Atlantic Financial Group has just announced that it will be the first to offer annuity products on the Envestnet Insurance Exchange, a program that was recently introduced, integrating insurance solutions into the wealth management process. The Envestnet Platform is meant to streamline and enhance advisors’ ability to deliver the lifecycle of advice, according to a recent press release. “We’re proud to be an early partner with Envestnet by providing our annuity solutions on the... Read More

Seek Reliable Information When Shopping for Annuities

If you ask anyone who is nearing retirement if they’d like a steady stream of guaranteed income during their Golden Years, most would answer with an enthusiastic “YES!” But ask those same people if they’re interested in purchasing a prime source of such income, fixed annuities, and the response changes drastically. Why the discrepancy? Many industry experts blame bad information. According to a recent Kiplinger article, 56% of Americans claim that guaranteed income is their #1... Read More

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