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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

Add A Variable Annuity With A GMWB To Your Retirement Plan

Variable annuity products are often maligned in the financial world, but they can serve an important purpose in retirement planning for many Americans. In a recent article for The Woonsocket Call, "Building a sound retirement income plan," Chris Boules explains how variable annuities can help you account for the biggest risks you face in retirement. Volatile markets and an economy with relatively low interest rates in the recent past have many people worried about their future retirement funds.... 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

Important Annuity Information From the IRI

I recently blogged about seven important facts from the IRI Fact Book 2014.  Life Health Pro's Warren S. Hersch has been summarizing the 200 page report so that we can get the most important annuity and retirement information.  In "7 facts about annuities you should know," Mr. Hersch discussed some more of the timeliest data and trends related to annuities.  The IRI researched how consumers feel about and use annuity products, specific trends related to Baby Boomers and women in Generation... Read More

VA Living Benefit Riders Are Making A Comeback

A lot of the changes made to variable annuity products in the last year were negative.  But the most recent changes show that the variable annuity market looks to be on an upswing.  One of the most notable changes is that some life insurance companies are bringing back living benefit riders or offering better ones.  In addition to that, we are still seeing more investment focused variable annuities and some companies are still offering exchanges.  In Darla Mercado's Investment News article,... Read More

Evaluate Annuity Riders Before Adding Them

You have a lot of options to choose from when it comes to annuities.  Some of the simplest annuities don't have riders attached and are fairly inexpensive.  The more riders that you add to your annuity product, the more you will pay.  When purchasing an annuity, you have to weigh the benefits with the costs for each particular product.  In "Annuity Riders May Have Benefits, Extra Costs" by Chas. P. Smith of The Ledger, the pros and cons of adding these riders are discussed.  Annuity riders... Read More

New Fixed Indexed Annuities Offer Crediting Options, GMWB & 10% Bonus

Last month a new series of deferred fixed indexed annuities was introduced by Legacy Marketing Group.  Insurance News Net published a company press release titled "Legacy Launches Legendmark Series of Annuities".  Fidelity & Guaranty Life Insurance Company is the issuer of these flexible premium fixed indexed annuities.  There are three benefits that make this new annuity series stand out.  Customers have a choice of crediting options, they are offered a unique Guaranteed Minimum... Read More

ING U.S. Fixed Annuities Will Be Offered By Allstate

There is big news for Allstate customers who were disappointed earlier this year they announced that they would no longer be selling their fixed annuities.  By the end of this year, Allstate will no longer sell their Growth and Income Protector, Income Ready, or RightFit annuities.  When the company made their announcement, they did say that they would continue offering annuities through partnerships with other companies.  The time has come for their first alliance.  In the Marketwatch... Read More

Fixed Indexed Annuities Step Up As Bond Prices Go Down

Increasing interest rates are good for some investments, but those who invest in bonds are looking for alternatives as interest rates increase.  In Marketwatch's "Fixed-index annuities as bonds alternatives?," Robert Klein talks about how an increase in interest rates almost always means a decrease in bond prices.  The 10-year U.S. Treasury index level of 2.83% was a 52 week high and an 84% increase from last year at this time.  The U.S. Aggregate Bond Trust had large increases two years in... Read More

Annuity Arguments Often Based on Inaccurate Information

Annuities are a great financial tool for many people, yet don't belong in the portfolio of some others.  Unfortunately, there are some incorrect arguments against these products circulating that might keep consumers away who could really benefit from the safety and guarantees of annuity products.  In Life Health Pro, John L. Olsen and Michael E. Kitces give us "5 arguments against annuities - and how to overcome them."  These arguments often don't take important details into consideration... Read More

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