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Interest Rates and Annuities

Much of the news you hear about in the financial industry revolves around the current interest rate and how it might affect different investment products. You might hear about how one product is a safer bet during periods of low rates, or that you should definitely avoid a certain product until rates improve. But very few articles actually talk about how interest rates affect a product.  Financial education is crucial in creating a path towards financial freedom. In order to make the... Read More

The SECURE Act Could Improve Retirement Finances for Seniors and Some Workers

Of particular interest to annuity fans, the House legislation would eliminate some of the liability for employers who add annuities to the menu of options for their 401(k) plans.   The first major retirement legislation since the Pension Protection Act of 2006 stands a good chance of becoming law before the end of the year - good news for retirees and certain workers alike. It’s likely to start getting more attention when Congress returns from August recess next month. The... Read More

Planning For and Protecting Your Retirement

According to a recent article from US News, 72% of Americans say that they think it’s important to protect retirement savings. And with more and more headlines reporting market volatility, that number could certainly increase. Safeguarding your nest egg requires an investor to consider both the current financial situation as well as future expectations. Evaluating retirement income needs, understanding risk tolerance, and planning for emergencies and tax liabilities are just a few steps... Read More

Put Retirement Worries To Rest With An Annuity

For many, the thought of retirement is both jubilant and worrisome. While the idea of spending time away from the office and with the ones you love is magnificent, the fear of funding can be paralyzing. If you worry about running out of money in retirement, you are certainly not alone. Studies have repeatedly shown that one of the top concerns of current and soon-to-be retirees is not having the income to last the long haul.  This fear is certainly founded. For generations, our relatives... Read More

Great American Life and Barnabas Capital Team to Offer New Annuity Products

Great American Life has teamed up with Barnabas Capital to offer 2 new variable annuity products. Index Frontier® and Index Summit 6sm variable-indexed annuities were created for investors who are not satisfied with low fixed-income yields and want more protection than that provided by equities. According to a recent Yahoo!Finance article, these products offer competitive earning potential and partial protection from market loss, which makes them attractive in a volatile market. When... Read More

Leading Annuity Provider Updates Products

According to a recent press release, leading financial services company, AXA Equitable Life has just released an enhanced version of Retirement Cornerstone®, its multi-stage variable annuity. Updates to its market-leading structured annuity, Structured Capital Strategies®, were also announced. Both were developed to help clients build wealth and create protected lifetime income, all while mitigating risk and keeping pace with inflation.  “With these new enhancements we are providing a... Read More

Jackson National Launches New MYGA

Wink’s Sales and Market Report for the first quarter of 2019 shows that the sales of multi-year guaranteed annuities (MYGAs) have grown almost 80% in the last year, and Jackson National Life Insurance Company is jumping on board. The launch of Jackson RateProtector, a single premium MYGA was announced yesterday, offering consumers the opportunity to protect and grow their assets through guaranteed interest rates that will not fluctuate during a selected time period. The press release also... Read More

SEC’s New Best Interest Standard Met With Mixed Reviews

Earlier this week, the U.S. Securities and Exchange Commission approved the SEC’s Regulation Best Interest: The Broker-Dealer Standard of Conduct (Regulation BI). The SEC started working on the Reg BI project after the U.S. Department of Labor started experiencing difficulties in implementing its own fiduciary rule regulations, according to a recent article from ThinkAdvisor. The new regulation is set to have a compliance date of June 30, 2020. The new standard will require broker-dealers... Read More

Great American Life Launches Unique New Annuity Product

A recent collaboration between Great American Life and Raymond James has produced a new type of variable-indexed annuity. The Index Summit 6℠ is the first of its kind, offering crediting strategies with both upside and downside participation rates. According to a recent InsuranceNewsNet article, the breakthrough product will only be offered through financial institutions, banks and independent broker dealers. Currently, the crediting strategies feature a 50% downside participation rate... Read More

Security, Safety Lead to More Record Breaking Annuity Sales

First quarter annuity sales numbers are in, and once again record highs have been reported.  Some financial experts are suggesting a desire for security and safety is the leading cause for the continued increase, according to a recent article from the Pittsburgh Post Gazette. “Annuity sales in the first quarter are definitely a reflection of a flight to safety,” said Teodor Panaitisor, a research analyst at Limra Secure Retirement Institute.  “Looking at the numbers, we can assume... Read More

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