Inflation is Back, Impacting Retiree Investment Strategies

Fixed annuities seldom yield much more than 3% a year, which means your real return – the return after inflation – is essentially zero. Instead, retirees should consider growth-oriented fixed indexed annuities (FIAs) and/or so-called structured annuities. Plain vanilla fixed annuities are out. Instead, retirees should strongly consider investing in growth-oriented fixed indexed annuities (FIAs) and/or so-called structured annuities.Inflation is Back, Impacting Retiree... Read More

Fee-for-Rate Growth FIAs Have Begun Strutting Their Stuff

Growth FIAs don't offer guaranteed income riders, but then most people interested in them already know that. And like their income-oriented income FIA cousins, they still guarantee against index losses. A handful of growth FIA purveyors have sharply increased participation rates for select growth FIAs in exchange for an annual fee of 1% to 1.5% a year.Times frequently change in the financial world, and it’s helpful if annuity purveyors recognize this and respond... Read More

Product Review | Guggenheim Highlander 7 Fixed Indexed Growth Annuity

The Guggenheim Highlander 7 is a fixed indexed annuity (FIA) with a generous participation rate that may fit the bill for savvy investors, who are looking for safe bond alternatives, especially if they bundle its diverse offerings. If You’re Shopping for an Annuity, Guggenheim Highlander 7 May Be the Right Play at the Right TimeThe stock market continues to rise into the stratosphere in fits and starts, which is great, but also makes it vulnerable to a sell-off, and... Read More

Product Review: | Athene AccuMax 7 Fixed Indexed Growth Annuity

Athene AccuMax 7 – a super-simple growth FIA with no bells and whistles that offers a 50% participation rate in the S&P 500 over seven years, if you invest at least $100,000. This Growth FIA May Be the Answer for Folks Who Don’t Like Declining Index Participation RatesIt’s easy to see why the concept of a fixed-indexed annuity with an emphasis on growth appeals to many prospective annuity buyers: benefit from a rising stock market without fear of losses in a bad... Read More

A Q&A with a Highly Seasoned Annuity Investor

Among Levine’s most recent annuity purchases was the Midland National RetireVantage 10 Growth Fixed Indexed Annuity, an FIA that offers an extremely generous 165% index participation rate on a low-volatility index. You can find specifics about this annuity at the bottom of this page, below the article. Joel Levine, a retired financial professional who has worked for banks, insurance companies and financial rating firms, is big on annuities. In fact, he is an unusually huge... Read More

American Equity Updates Fixed Index Annuity Line-up

The AssetShield fixed index annuity, American Equity Investment Life Insurance Company’s headlining accumulation product, is about to get a facelift. According to a recent press release, the leading underwriter of fixed index annuities plans to offer more multi-asset index options as well as an option to purchase a higher rate on crediting strategies for additional growth potential. The 5, 7, and 10-year annuity product line aims to give clients a guaranteed income with safe asset growth... Read More

MassMutual Acquires Great American Life

Massachusetts Mutual Life Insurance Co. has doubled down on its retail annuities business with the latest acquisition of a major annuity provider. Last Wednesday, MassMutual announced that they would purchase Cincinnati-based Great American Life Insurance Company for $3.5 billion. Great American, which is owned by American Financial Group, provides fixed and fixed indexed annuities. Over the first three quarters of 2020, the company ranked 13th in fixed annuity sales, at about $2.4... Read More

Top Annuity Picks for the New Year

The end of the calendar year is a time when many of us choose to assess the state of our finances and plan for both long and short-term retirement goals.With this in mind, we are excited to share Annuity FYI's Top Picks for the New Year.  We have selected what we consider to be some of the most competitive products on the market heading into 2021.  We've identified Top Picks in the following categories:  Fixed Indexed Growth, Fixed Indexed Income, Variable Growth, and Variable... Read More

Hands Down, Select Annuities Today Are Better Than CDs

Most of the time, folks weighing the purchase of an annuity ask all kinds of questions. Which type of annuity is best for me and why? What maturity best fits my needs? If I want to dabble in the stock market, should I go “all in” with a variable annuity or hedge my risk with a fixed indexed annuity?These days, though, the annuity landscape is markedly different. The majority of people shopping for an annuity overwhelming have just one question: How can I get a half-way decent rate of... Read More

Product Review: | Midland National RetireVantage®10 Growth Fixed Indexed Annuity

Here you have an annuity that can potentially beat many stock funds over its 10-year life. And, unlike stock funds, you don’t have to sweat out the bad times because you are protected from losses. Here’s a Fixed Indexed Annuity That Could Rival the Unbridled Performance of the Stock Market.Given the backdrop of a pandemic and the accompanying recession, mostly everybody knows this has been a good year so far for the stock market.But next year? Who knows? A vaccine... Read More

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