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New Enhanced Annuity Benefits from Lincoln Financial Group

In an effort to add more flexible investment requirements and increased income payouts, Lincoln Financial Group (NYSE: LNC) recently announced enhancements to its flagship Lincoln ChoicePlus AssuranceSM and American Legacy® variable annuity products. Details were described in a recent Business Wire press release. “Generating income in retirement is harder than ever, and we’re committed to delivering solutions that help bridge the gap between retirement savings and income needs,”... 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

Employees Want Guaranteed Income From In-Plan Annuities

Prudential Financial recently released a report about the use of annuities in retirement plans, entitled "The Ease of Automation and Guaranteed Retirement Income." Research for the study was performed last summer on full time workers who had access to a defined contribution retirement plan of some sort. Insurance News Net's Cyril Tuohy summarized the findings in the article "Study: Annuities Sell Themselves if Promoted." It's hard to believe that only 4% of defined contribution plans offer... Read More

Read This Before You Exchange Your Variable Annuity

There are many reasons why you might consider exchanging your variable annuity product. You might be looking for a better deal, your needs might have changed, or perhaps your insurance company is initiating a variable annuity exchange. Whatever the reason, there are a lot of details to look into before you make the final decision to exchange your annuity. MetLife Securities Inc. was recently fined $20 million by FINRA because of the way they represented their variable annuity products. The... Read More

Three Benefits are Drawing People to Indexed Annuities

Our own Andrew Murdoch, also President of Somerset Wealth Strategies, wrote an article for Marketwatch to explain "Why fixed indexed annuities are strong sellers." Sometimes fixed indexed annuities are described in a too good to be true way. Yes, they offer principal protection while still exposing your money to stock market gains. But keep in mind that you won't take advantage of total stock market gains because your money is not only linked to an index, but often subject to caps and... Read More

New Annuity Options Focus on Income, Growth and Security

There is a big focus on income with some of the newest annuity products introduced this year. In Investment News's "Allianz, Securian Among Insurers Focusing on Income Annuities," Linda Koco explains the current trend. Based on the late summer product introductions, Koco says that retirement income and security are the big focuses for fall.  Accumulation is given a lot of attention as well, but not as much as income. These focuses are being shown in four different ways.Those people who... Read More

The Benefits and Drawbacks of Annuity Riders

There are a lot of different choices when it comes to annuity riders.  In a recent Insurance News Net article, "Choosing the Right Annuity Rider for You," Alex Coppola summarized some of the basic rider options.  Total annuity sales increased nearly 8% from 2012 to 2014.  There are many reasons for this increase, including a volatile market, the higher cost of health care and people living longer lives.  If you are worried about any of these lifestyle factors, annuities can alleviate worry... Read More

Fixed Annuities Offer Special Benefits

Fixed annuity products can be a great financial tool for your retirement plan.  They have a lot of benefits to offer, especially for investors who are conservative.  Fixed annuities allow you to build your wealth and protect those assets while they are growing at a fixed rate of return.  Many people are still reeling from losing money over the past decade and are searching for safety and guarantees.  Fixed annuities can provide that security that people are looking for.  LifeHealthPro's... Read More

MetLife’s Back With New FlexChoice Variable Annuity GLWB

MetLife was a big player in the variable annuity game for years, but they scaled back on their benefits in the recent past to make up for some turmoil in the markets.  They are back in the game now with a new variable annuity guaranteed lifetime withdrawal benefit rider.  In "MetLife gets back in the variable-annuity-with-living-benefits game," Investment News' Darla Mercado introduces MetLife's new living benefits rider.  This new GLWB rider is called FlexChoice and was released in the... Read More

Consumers Value Guaranteed Lifetime Income, But Don’t Know Where To Get It

In the Benefits Pro "Clueless about guaranteed lifetime income," Marlene Y. Satter says that Americans know very little about guaranteeing lifetime income with annuity products.  CANNEX and Greenwald & Associates recently performed a study to see what Americans know about lifetime income sources.  The first thing they found was that Americans want and need sources of retirement income.  Most people know about the lifetime income they will receive from Social Security.  While that is an... Read More

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