Indexed Annuity Sales Soar in 2018

LIMRA has reported near-record fixed indexed annuity sales numbers, marking the sector’s second strongest first-quarter showing in 10 years. According to a recent InsuranceNewsNet article, FIA sales were up 11% to $14.5 billion, and many industry experts are crediting the Department of Labor fiduciary rule for the revival. First-quarter sales typically dip from the fourth quarter, and the unexpected boost has many believing the year will continue to improve.“Due to the DOL fiduciary... Read More

Strategies for Fixed-Income Investors

                                                                                                                                      It can be difficult at times to invest money safely when living on a fixed income. Safe  products, like money market funds and certificates of deposit, are barely keeping up with inflation, and longer-term bonds are being threatened by the potential of continued interest rate... Read More

QLACs Gain Momentum With Wealthy Investors

Almost four years ago, the U.S. Treasury Department authorized qualified longevity annuity contracts (QLACs) for the 401(k) and the individual retirement account (IRA) markets to help workers save for retirement. And according to a recent article from InsuranceNewsNet, an uptick of interest, especially among high net worth clients, has been observed since. Robert Klein, founder and president of Retirement Income Center in Newport Beach, confirmed this trend in a recent interview.“The... Read More

Avoid Bull Market Risk with Annuities

Many investors have a specific asset allocation in mind when it comes to their retirement portfolio. And just like most other aspects of investing, there are many varying opinions on the “right” one. Your investment strategy will take into consideration your risk tolerance, goals and investment time frame, which combined make your portfolio unique. And while many financial experts have different views on how to reach your goals, most can agree that it’s important to review and rebalance... 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

Fixed-Indexed Annuities: The Bond Alternative

For conservative investors who are looking for good (safe) places for their money, bonds have been the gold standard for years. They offered a easy way to provide balance to any portfolio with protection from market volatility, as seen in the market drop in 2008. But the standards might be changing, and according to a recent Kiplinger article, bond investors might discover that even their investment vehicle of choice has a downside.Interest rates have been exceptionally low for quite some... Read More

Fixed Annuities Help Reduce Bull Market Risk

The current bull market has the portfolios of many investors heavy on the stock side, and all of this talk about the inevitable move to a bear market has some getting nervous. Financial experts agree that it’s important to rebalance every once and awhile, and in order to reduce bull market risk, consider moving some of your money out of stocks and into various alternatives.Traditional options are available, but don’t always suit the needs of all investors. Money market funds, while... Read More

Annuity Laddering and Your Retirement Savings Strategy

Concern over outliving retirement savings is very legitimate as life expectancies continue to lengthen. One method of providing peace of mind over this worry is through annuity-laddering. Annuity products can help provide a lifelong cash flow, but because they often can be illiquid and relatively expensive, they aren’t for everyone. Here’s a more in-depth look at this financial strategy, from the financial experts at Financial Planning magazine.Annuity ladders come in a variety of... Read More

Analysts Agree: Future for Annuities Looks Bright

Despite the doom and gloom portrayed by the many reports of falling annuity sales numbers, according to a recent InsuranceNewsNet article, analysts are saying that the long-term prognosis for annuity products is actually very strong. The article compares the transfer of money from variable to fixed annuities (and back again) to the fluctuations seen when power passes between political parties. While some numbers look bad now, they are often misleading in the big picture.“People keep... Read More

Fee-Based vs. Commissionable Annuities

With the new DOL fiduciary rule in place, more and more insurance firms are launching fee-based annuities to help distributors comply with the regulations. In fact, nearly two dozen fee-based variable and indexed products have been announced in the last 12 months, according to a recent article from Market Watch. Big names like Symetra, Pacific Life, Nationwide, Allianz, and Brighthouse Financial (the annuity provider that recently broke away from MetLife) have all jumped on the bandwagon. So... Read More

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