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Product Review: | Security Benefit Strategic Growth

Prospective annuity buyers might be interested because Security Benefit Strategic Growth is more generous than most growth FIAs – it offers a 50% participation rate on the S&P 500, compared to 40% to 45% participation rates among most others.   Security Benefit, an annuity purveyor whose roots date back a whopping 127 years, is no stranger to fixed indexed annuities (FIAs). Its predecessor started out in Kansas as an insurance company with a twist, one focused on providing... Read More

Product Review: | Athene Ascent Pro 10

In effect a hybrid of a growth FIA and an income FIA, the Athene Ascent Pro 10 offers a stronger chance to beat the going guaranteed rate by doubling annual gains in the index and adding them to the annuity’s income base.   Ostensibly, folks who like fixed indexed annuities (FIAs) want to have their cake and eat it too. FIAs enable them to invest in the stock market without fear of losses because of a guarantee that they won’t lose money in a down market. But if they... Read More

Fixed Indexed Annuities Set for Comeback

Historically, fixed indexed annuities have gained favor with investors who like the idea of participating in market gains while protecting their principal. Couple this with a guaranteed stream of income in retirement and it’s not hard to understand why these annuities have been the most popular product in retirement planning. In recent years however, indexed annuity sales have flattened after the Depart of Labor’s fiduciary rule focused on the commission based sales of the... Read More

Fixed Indexed Annuities and Retirement Income Planning

In times of market volatility, such as this, many are turning to fixed indexed annuities as a safer way to invest. But with so much confusion and misconceptions on how the product actually works some are skeptical about purchasing one.  Instead of comparing FIAs to investment security products, like mutual funds, these annuities should actually be touted as insurance products. They allow consumers to protect the principal of their investment while letting the annuity be... Read More

1st Quarter Annuity Sales Released

First quarter 2019 annuity sales figures were recently released with fixed and variable annuity sales hitting $57.8 billion combined. According to an InsuranceNewsNet article, this is a 3.6% drop when compared to the fourth quarter of 2018, but still a whopping 17.5% above levels from a year ago. Fixed annuity sales reached $37 billion in the first quarter, only a slight decrease from the fourth-quarter 2018 sales of $37.1 billion. The small drop pales in comparison to the year-to-year... Read More

Product Review: | Nationwide New Heights 12 Fixed Indexed Annuity

"Most fixed annuities take from the left hand and give with the right hand. Nationwide New Heights gives with both hands, and that is unique."   Saving for retirement is hard enough, but another difficult challenge is making sure the money lasts. This is where annuities enter the picture. Yet not all annuities are equal. Ideally, you want an annuity that couples a competitive, guaranteed income stream with a reasonable shot at growth. Good luck finding one. Fixed indexed... Read More

New and Improved Fixed Indexed Annuities From Athene

One of America’s leading providers of retirement savings products, Athene, has teamed up with Annexus, an independent designer of fixed indexed annuities (FIAs) to launch a new and improved suite of products. The new Athene®BCA® includes new indices designed by two renowned economists: Yale Professor Robert Shiller and Professor Jeremy Siegel of the Wharton School of Finance at the University of Pennsylvania. According to a recent press release, BCA 2.0 provides a variety of solutions... Read More

New Nationwide Annuity Rider Designed for Growth Potential

Indexed annuity designer Annexus has done it again, this time partnering up with Nationwide to develop a new lifetime withdrawal feature. Consumers now have the option of combining the new feature, the Nationwide High Point 365 Lifetime Income Benefit rider, exclusively with the company’s New Heights indexed annuities. According to a recent article from ThinkAdvisor, the rider “guarantees that the amount used to calculate future income will be at least 110% of the purchase payment plus... Read More

Is an Indexed Annuity Right For You?

Given recent market volatility, it’s no surprise that many investors have lost their appetite for risk, even for those still accumulating assets. Of course, it’s important not to jump ship at the first sign of a market shift, but if your financial plan allows for adjustments, now might be an appropriate time to look into other investment options. Perhaps now is the time to review your risk allocation. One financial expert recently suggested (in an article from The Street) cutting back... Read More

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