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Deferred Income Annuities Can Lower Retirement Planning Costs

Consumers and retirement plan sponsors alike are always looking for ways to lower the cost of funding retirement.  A new paper by Michael Finke and Wade Pfau says that deferred income annuities used in retirement planning can do just that.  This information comes from Insurance News Net's article "New Academic Research Finds Deferred Income Annuities Reduce Overall Cost of Funding Retirement."  Wade Pfau is a Professor of Retirement Research at American College.  Michael Finke works at... Read More

2015’s Annuity Trends: Income Annuities and VAs w/out GLBs

LIMRA Secure Retirement Institute recently performed a lot of research in preparation for the annual Retirement Industry Conference that they co-sponsor.  They found two significant trends in the individual annuity industry.  This information comes from Linda Koco's Insurance News Net's article, "Today's Rising Annuity Stars: Non GLBs, Income Annuities."  In just three years, the number of variable annuities sold with GLBs went down 28%.  In the same time frame from 2011-2014, the number of... Read More

Annuity Choices Aren’t As Simple As They Used To Be

When annuities were first introduced back in Roman times, there was one kind and it was very simple.  The single premium immediate annuity (SPIA) paid you lifetime income after a one time payment to an insurance company.  There are now tons of different annuity products and options from which to choose.  New annuities offer benefits that you couldn't get before they were introduced, but the simplicity is lost with the added choices.  In Insurance News Net's article, "Annuities: More... Read More

Annuity Benefits Match Consumer Wants, But Education Is Needed

TIAA-CREF conducted a survey earlier this year of 1,000 Americans called the 2015 Lifetime Income Survey.  Insurance News Net's Linda Koco summarized the recently released findings in the article "People Want Lifetime Income But Don't Know Annuities."  Having guaranteed monthly income in retirement is important to 84% of those surveyed, but only 14% have bought an annuity to secure that income.  Aside from a pension, which most people don't have, and Social Security, which is rarely enough... Read More

New Deferred Income Annuity Offers Flexible Pay Option

As deferred income annuities become increasingly popular, some insurance companies are making modifications that will peak the interest of a broader range of consumers.  In Insurance News Net's "Carrier Aims Annuity At Younger Buyers," Cyril Tuohy says that First Investor's Life has introduced a flexible pay deferred income annuity that will attract younger buyers.  These particular annuity products have been on fire lately and are setting sales records in their product category.  While they... Read More

Annuity Sales Increased 3% Last Year

LIMRA recently released their annuity sales totals for 2014.  LifeHealthPro's Daniel Williams summarized the highlights of LIMRA's Fourth Quarter 2014 U.S. Annuity Sales Survey in the article "Total U.S. annuity sales improve three percent in 2014."  A 3% increase in total annuity sales is certainly a good thing for the annuity industry.  Increasing sales were led by indexed annuities and income annuity products.  More Americans than ever before are placing a high value on creating a... Read More

Longevity Annuities Can Create The Income You Need In Retirement

Longevity annuities are getting a lot of attention in 2015, especially for use in 401k plans.  They offer unique benefits for retirees, but might not be the right product for everyone's financial plan.  Marketwatch's Glenn Ruffenach asked "Will you need a 'longevity' annuity in retirement?"  His article discussed the pros and cons of longevity annuities, also referred to as deferred income annuities or longevity insurance.  A deferred income annuity is the more proper name for these... Read More

Few Workers with DC Plans Anticipate Annuity Income

LIMRA's Secure Retirement Institute recently asked workers with defined contribution plans where annuities fit into their future retirement financing.  Insurance News Net's Linda Koco summarized the results in her article "Where Do Annuities Fit In?"  Workers were asked where they expect their retirement income to come from and annuities ranked last on their list.  More than 3/4 of workers in both the private and not-for-profit sectors expect some of their retirement income to come from... Read More

Studies Show Annuities Meet Consumers’ Retirement Goals

A number of recent studies have been focused on retiree attitudes, concerns and the products that could help them take care of those concerns.  In Insurance News Net's article, "Consumer Interest in Annuities Perks as Feds Discover Value," Arthur D. Postal summarized some of the recent findings.  LIMRA's Secure Retirement Institute study is called "Finding the Right Mix: LIMRA Retirement Income Attitudes and Preferences."  Both retirees and pre-retirees said that one of their top priorities... Read More

Fixed Annuities Often Misunderstood By Agents & Advisors

Have you ever gone to an advisor to purchase a fixed annuity and found that they don't sell them?  That is happening all over America and some of the reasons advisors aren't selling fixed annuities are unfortunate.  In the Insurance News Net article "Why Some Don't Sell Fixed Annuities," Linda Koco discussed the reasons some people don't sell fixed annuities despite their increasing popularity.  Research results from the Insured Retirement Institute, Wink Inc. and LIMRA's Secure Retirement... Read More

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