Home / Annuity FYI’s Variable Annuity Cautions — Read Before You Invest!

 

Annuity Caution #7: Variable Annuity Rider Buy Backs

Recently, annuity-owners of variable annuities with riders from insurance companies, such as Axa Equitable and The Hartford, have been contacted by their insurance company issuer. The offer is in writing, and sometimes followed up with a phone call, with offers to pay the annuity-owner a one-time lump sum to relinquish (void) some of the initial riders with guarantees, benefits that rely on the insurance company to pay them. Is the lump sum better or the long-term guarantee? Read this before you invest!

Annuity Caution #6: L-Share / Short Surrender Annuities

Be cautious about purchasing a variable annuity with a shortened (3-4 year) surrender period. They could cost you more. Read this before you invest!

Annuity Caution #3: Variable Annuity Transfers

Are you considering a replacement of your current variable annuity with another? Read this before you transfer!

Annuity Caution #2: FINRA Broker Lookup

Prior to purchasing an annuity, look up your financial advisor on FINRA’s website to see if he or she has any complaints on file or a criminal background. Read this before you invest!

Annuity Caution #1: Pre-Purchase Annuity Checklist

Prior to purchasing a variable you should consider the information below. Read this before you invest!

ANNUITY WARNINGS

Lincoln Financial Launches New Annuity Products for RIAs

For clients looking for protected lifetime income, Lincoln Financial Group has two new products to offer: Lincoln Insured IncomeSM Advisory, …

Purchasing a Variable Annuity Direct? Consider This First

Despite Vanguard’s exit from the variable annuity sales sector this summer, there are still a plethora of choices for consumers …

Vantis Life Launches New Annuity Line-up

Vantis Life Insurance Company, the leading direct-to-consumer life insurance provider, just announced the launch of a new series of annuity …

Pacific Life Offers New Annuity Benefit

Variable annuities from Pacific Life are designed to provide guaranteed lifetime income with growth potential, and a newly introduced optional …

Fixed Annuities: Facts vs Fears

In an effort to secure the financial resources to maintain a comfortable retirement lifestyle, many consumers are looking at fixed …

Annuity Sales: Upward Trend May Be Coming to a Close

Second quarter annuity sales numbers are in and once again the products sold at a level unseen in more than …

ARTICLES & GUIDES

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.

Leading Annuity Provider Updates Products

According to a recent press release, leading financial services company, AXA Equitable Life has

Jackson National Launches New MYGA

Wink’s Sales and Market Report for the first quarter of 2019 shows that the sales of multi-year

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Document reference: #1500261-17

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