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Structured Annuities Are An Alternative to Fixed Income Products

One of the newest annuity products is linked to a stock market index, but is not exactly an indexed annuity.  Investment News' Darla Mercado discussed these structured-product annuities in the article "The latest annuity innovation: Contracts with structured products".  More insurance companies are showing interest in these newer products because of their principal protection and the steady growth of the account value.  The focus with structured annuities is not on fast growth, but slow and... Read More

NAFA Calls 2014 “The Year of the Fixed Annuity”

The National Association for Fixed Annuities (NAFA) has declared 2014 "The Year of the Fixed Annuity" in an article for their Annuity Outlook Magazine.  Their president, Kim O'Brien, likened the outlook for fixed annuities to the Chinese New Year calendar character, the Horse.  2014 is the year of the Horse in Chinese tradition, symbolizing constant effort to improve.  O'Brien says that the fixed annuity industry does just that by trying to improve peoples' lives through annuity guarantees,... Read More

Don’t Buy An Annuity if You Don’t Need the Guarantees

Marketwatch's Stan Haithcock told us the "7 reasons not to buy an annuity" last month.  This article is relevant for a few reasons.  Some people just don't need an annuity in their financial plan because they have already met the needs that an annuity fills in another way.  Annuities offer specific benefits in retirement and you surely shouldn't pay for those benefits if they do you no good.  But Stan's article is great for the opposite side of the issue as well.  If you don't need the... Read More

Deferred Fixed Annuity with Guaranteed Withdrawal Benefit

Pacific Life Insurance Company has just released a new deferred fixed annuity that is a little different from the rest.  The Pacific Income Advantage not only offers fixed annuity benefits, but it also has the option for a Guaranteed Withdrawal Benefit with yearly crediting.  This information comes from a Pacific Life press release in the Digital Journal, "Pacific Life Offers Financial Advisors a New and Innovative Option for Building Retirement Income: Pacific Income Advantage."  Some of... Read More

New Fixed Annuity is Good News for the Industry

The departure of Sun Life Financial from the annuity industry was disappointing, to say the least.  When Delaware Life Holding acquired the fixed, variable, and indexed annuity business from Sun Life, we weren't sure if they would try to expand upon that business.  Sun Life had not been selling new annuity products for more than a year before they sold off their annuity business to Delaware Life, according to Linda Koco of Annuity News in the article "Delaware Life Debuts Its First... Read More

How to Determine if an Annuity Should Be in Your Retirement Plan

It's refreshing to see annuities getting attention from larger news sources.  CNBC's Jim Pavia recently asked "Do annuities fit into a retirement plan?"  Since annuities offer you peace of mind that you won't be outliving your retirement savings, they can definitely be worth the fees that they charge.  Their returns are typically not as high as other investments when the economy is up, but their returns are greater in a down economy.  Other investments also do not guarantee lifetime income... Read More

Three Ways Annuities Can Raise Your Retirement Confidence

Annuities and mutual funds have significant differences when it comes to using them for retirement income.  In J. Brendan Ryan's Cincinnati Enquirer article, "Worried about long-term income? Annuities ease anxiety.," Mr. Ryan offers up some of the basics of annuity products and tells us how they are different from mutual funds.  Do you know what annuity means?  In its basic definition, an annuity is just a periodic payment.  Life annuities make payments to you for as long as you live. ... Read More

Choose an Annuity Based on Your Top Priority

Many annuity products claim that they can give you the best of both worlds or offer you everything you need in just one product.  The thing with annuities is that they offer you great benefits, but you really need to focus on the benefit that is most important to you first.  In the Marietta Daily Journal's "Making annuities more effective," William G. Lako Jr. suggests that annuities should be used for one main focus.  He means that instead of hoping to solve all of the issues related with... Read More

Fed Chairman Has a Variable & a Fixed Annuity In His Retirement Plan

In most people's eyes, Chairman of the Federal Reserve Ben Bernanke is very wealthy.  So they may not pay any attention to where he holds his money when he has to disclose this information each year publicly.  But if the Fed Chairman thinks something is a worthwhile investment, is it worth a look for those of us who don't have millions of dollars?  It just might be.  And those who do have savings close to or over a million dollars should have even more interest in what Mr. Bernanke is doing... Read More

Fixed Annuity & Equity Combo Helps Beat Longevity Risk

Low interest rates are posing challenges for retirees and have been for quite some time.  A lot of research gets done regarding the best investments for retirees to choose when interest rates are low.  According to Morningstar's "Interest Rates and Retirement," Lewis J. Walker says that an inflation-adjusted annuity combined with stocks is probably the best way to guarantee that you won't outlive your money.  Low interest rates increase longevity risk.  Couple that with health care costs... Read More

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