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Retirement Pyramid: Annuities in 2 Levels

The Insured Retirement Institute (IRI), the non-profit organization promoting insured products like annuities, has introduced a retirement pyramid.  The pyramid aims to provide a secure retirement for its users by putting the largest amount of money into the largest or bottom tier and gradually decreasing the amounts as you climb the pyramid.  National Underwriter's article "IRI Promotes Retirement Planning Pyramid" explains the strategy.  This week is the IRI's National Retirement Planning... Read More

Is Any Annuity Inflation-Proof?

Many investors worry about inflation when they purchase an annuity.  In exchange for a lump sum payment, annuities offer you a lifetime of guaranteed income with a fixed monthly payment.  In the AnnuityRates.org article "Should I choose an Inflation-Proof Annuity?", the topic of purchasing an annuity that adjusts with inflation is discussed.  Buying an inflation-proof annuity links your annuity to the RPI (retail price index) so that annual rises in inflation will be matched by annual rises... Read More

Immediate Fixed Annuity Promoted by President Obama

The Obama administration is a big fan of annuities, according to "The unloved annuity gets a big hug from the president," by Ron Leiber of The Boston Globe.  While President Obama did not end up discussing annuities in his State of the Union address last week, they are widely discussed in a report from his Middle Class Task Force.  Obama's administration is promoting annuities as a vehicle to help Americans obtain a secure retirement.  In exchange for a lump sum of money at purchase,... Read More

Despite a Fixed Annuity Decline, Annuity Sales Boomed in 2009

Investment News' Darla Mercado summarizes the variable and fixed annuity sales of 2009 in her article "Banks' annuity fee income rose, FA sales fell in '09 3Q."  Through the first three quarters of last year, bank holding companies saw the fee income from their annuity sales increase.  The sale of fixed annuities however, decreased in the third quarter due to their decline in popularity through 2009.  With $2 billion in fee income from variable and fixed annuity sales during the first three... Read More

Immediate Annuities on the Rise in 2010

According to "Immediate annuities, whole life are likely to gain favor," Darla Mercado of Investment News says that as baby boomers age they are looking for insurance products that offer them income.  As these baby boomers approach retirement, they want reliable streams of income that won't fluctuate with the markets.  Immediate annuities offer the benefit of a guaranteed cash flow to cover necessary expenses.  Since the amount of the income stream is known, they can count on this money to... Read More

Fixed Annuities Booming Thanks to Your Bailout

In "AIG Learns It's All in the Name" from FinancialPlanning.com, we learn that taxpayers' bailout dollars have helped AIG bounce back faster than many expected.  American International Group is one of the few insurance companies that has successfully come back from the financial mess it was in through creative branding.  It's subsidiary was previously named AIG Annuity Insurance Co. but was switched this year to Western National Life Insurance Co.  That distancing from the tarnished brand... Read More

Best Annuities Could Be Tax Deferred

From the 1888 Press Release "InsuranceAgents.com Publishes a Guide to Tax Deferred Annuity," investors can see the basics and benefits of tax deferred annuities.  Tax deferred products may be the best annuities for you as an investor.  The products allow investors' wealth to accumulate tax free, building a solid nest egg for their future.  Unlike other investments like stocks, bonds, mutual funds or CDs, annuities offer investors a guaranteed stream of lifetime income. There are three... Read More

Fixed Annuity Advisers now Certified by a Certified InFRE

In "Ally, Ally, InFRE" from Kerry Pechter of the Retirement Income Journal, Pechter explains how the certification firm InFRE has now become certified itself.  The International Foundation for Retirement Education (InFRE), directed by Kevin S. Seibert, gives educational presentations at retirement income conferences around the United States.  With slide shows and speeches, the InFRE presents to financial advisers mostly from banks and insurance companies, helping to certify them since... Read More

Variable and Fixed Annuity Products Gaining More Attention

While low interest rates are not great for certificates of deposit or savings accounts, they are garnering renewed interest in annuities, according to "Annuities are attracting increased attention" by Kimberly Quillen of The Times-Picayune.  Annuities have been around since the 1700s when they were used by European high society members who took care of family members without other financial support.  They became popular in the United States during The Great Depression as households no longer... Read More

Putnam's CEO Looks to Future and Sees Annuities

In Business Wire's article "Putnam CEO Reynolds Calls for 2010 to Be the Year of Retirement Reform, with a 'New Generation' of Workplace Savings Plans," Reynolds ideas for the future of retirement plans is highlighted.  Robert L. Reynolds is the President and CEO of Putnam Investments.  He hopes that following 2009's year of healthcare reform, 2010 will be the year for retirement reform.  Annuities and other similar products that have lifetime guaranteed income should be incorporated into... Read More

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