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Indexed Annuities Income Rider from Lincoln Financial

Despite disappointing second-quarter annuity sales, Lincoln Financial has launched a new income rider on three families of indexed annuities, signaling a confidence in the future of annuity products. According to a recent InsuranceNewsNet article, Lincoln’s i4LIFE Indexed Advantage rider is now available on their New Directions, OptiBlend, and OptiChoice FIAs, which are currently sold by commission-based advisors. “We believe that for most people there will come a time when they need to... Read More

Low Rates Spark Interest in Indexed Annuities

With no real sign of an increase in interest rates, investors continue to look for places to put their money that promise both safety and reasonable returns. Retirees who thought the rate boost was on the horizon have been waiting to earn more on their certificates of deposit and money market funds for quite some time now, with little to show for it. Fed up, people are looking into other options, mainly insurance products, that offer both attractive returns and principal protection. According... Read More

Americans Lack Understanding of How Annuities Guarantee Lifetime Income

TIAA found that many Americans are unprepared for retirement in their 2016 Lifetime Income Survey. They have false confidence in where their retirement savings will take them and are not aware of the annuity products that could secure their financial safety in retirement. In the Plan Adviser article "Many Have Unrealistic Expectations for Retirement Savings," Karen Wittwer talked about the results of TIAA's survey of 1,000 adult Americans. They certainly aren't the first researchers to find... Read More

Income Riders, DIAs, QLACs Create Future Annuity Income Stream

In a recent article for The Street, "4 Paths to Future Annuity Income Guarantees," Stan Haithcock explained your options for delaying annuity income until a later date. Many people incorrectly assume that all annuities are immediate, when a large number of them actually defer your income payments. The article says that there are four different ways you can create guaranteed income from an annuity product that will start at some predetermined point in the future. Annuities are the only products... Read More

Focus on Guaranteed Lifetime Income in Retirement Planning

On paper, annuities have everything that retirement savers need to meet their income needs when they are no longer working. But most workers are not choosing annuities because they aren't aware of their value. There are other behavioral factors keeping people away from annuities as well. In the LifeHealthPro article "Why aren't retirement savers choosing annuities?", Marlene Y. Satter summarized some of the latest findings on this topic. The Center for Retirement Research at Boston College... Read More

Fixed Annuities Solve Longevity Risk Facing the World

Longevity risk is truly one of the biggest issues facing the world today. Fewer people are being born around the world at the same time as people are living longer than ever before. The risk that comes with these long lifespans is that we haven't saved enough for retirement and far too many people are simply running out of money. Kim O'Brien of Americans for Annuity Protection recently wrote a commentary for Insurance News Net about this important issue. In "Longevity Risk and the Annuity... Read More

Six Different Living Benefit Rider Guarantees

Guaranteed income is in high demand right now. That is why many people are turning to annuity products with guaranteed income riders to ensure that they don't run out of money during their retirement. In "6 annuity guaranteed minimum living benefit riders," LIfeHealthPro's Kristen Beckman explains six of the most popular living benefit riders available. Before the first GMLB (guaranteed minimum living benefit) products were introduced two decades ago, annuity principal was only protected upon... Read More

More Americans Want 401k Annuity Plan Option

A recent study from Prudential Retirement found that one of the items at the top of employees' wish lists is not readily available in their 401k plans. Of those Americans who are familiar with guaranteed lifetime income options like annuities, over three-fourths of them would be likely to choose that option if it were available within their 401k plan. This information comes from the 401k Specialist article, "One Thing 401(k) Participants Want More Of In Their Plans," by John Sullivan. But... Read More

It’s a Good Time to Take Another Look at VAs

Variable annuities are the most popular annuities because they offer by far the best shot at capital appreciation. But it’s a safe bet that they haven’t been popular much of this calendar quarter, VA sales typically track the ups and downs of the stock market, and the stock market got off to an abysmal start in 2016.   Happily, the backdrop has markedly improved. Stocks have rebounded nicely and appear to be stabilizing, and so folks who put plans to buy a VA on the back burner no... Read More

Whether It’s Lottery Winnings or Retirement Savings, An Annuity Can Guarantee Your Income

Without even realizing it, many people actually stand in line for annuities on a daily or weekly basis. We learned a few weeks ago with the soaring popularity of the lottery just how many people are searching for a lifetime free of financial worry. Annuities can provide just that and actually already do for some people who don't even know they have one. Social Security is an inflation-adjusted lifetime annuity that most everyone takes advantage of. Annuity payouts from the lottery are another... Read More

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