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Author Archives: IALC
Five Myths about Indexed Annuities: Part 2
There are many unique benefits to indexed annuities that make them an important part of any balanced financial plan. More specifically, indexed annuities offer tax-deferred, market linked growth with protection from market downturns. In fact, no indexed annuity purchaser has lost a single dollar as a result of the market’s declines. Continue reading
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Five Myths about Indexed Annuities: Part 1
If you’ve read anything about indexed annuities, chances are pretty good that not everything you’ve read is true. Each day this week, we will tackle a common misconception about indexed products. Keep reading to make sure you’re getting the real facts! Continue reading
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Features of Fixed Indexed Annuities
When planning for retirement, your options can seem overwhelming. The good news is, there are many great products available for people in varying stages of saving. Fixed indexed annuities are one of the products that deserve consideration for part of your retirement portfolio. Continue reading
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FAQ of the Week: What is a Market Index?
An index is a number that goes up and down as the market it represents changes. When looking to purchase a fixed indexed annuity, your agent will talk to you about how interest is credited. A fixed indexed annuity allows you to benefit from the positive changes in the index (subject to the policy’s caps) while being protected if the index falls. A fixed indexed annuity may credit more interest than a traditional fixed annuity in periods when the index is rising. When the index is falling or remains level, the value of the fixed indexed annuity remains constant. In other words, an indexed annuity allows the policy owner to potentially receive more interest than a traditional fixed annuity, but without being subject to market risk. Continue reading
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Retirement Talk among Parents and Children Taboo
Planning for retirement is on the minds of parents and their children alike. But a new survey conducted for the IALC finds that adults are reluctant to talk about it. Continue reading
Posted in Planning for Retirement
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Illinois Securities Department Order in the Matter of Senior Financial Strategies, Inc.
The Indexed Annuity Leadership Council (IALC) strongly adheres to the highest marketing standards and in ethical and fair sales practices for the products that we sell including suitability review, disclosure, training, and consumer education. Continue reading
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It’s Time to Stop One-Sided Retirement Planning
Recent years have not been easy on Baby Boomers planning for retirement. In fact, a recent AP poll says 42% of Baby Boomers surveyed said they’d delayed retirement due to lost money in their retirement plans, personal investments or real estate during the recent economic meltdown. Continue reading
Posted in Planning for Retirement
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Giving Indexed Annuities a Fair Shake
Moderating risk and reward is an important part of building a sound financial plan, but it’s often easier said than done, especially in difficult financial times. While a few have given indexed annuities a bad rap, these insurance products actually have a number of unique benefits, including principal protection, growth opportunity and guaranteed lifetime income, that make them a good retirement planning tool. In order to give consumers accurate information about indexed annuities, nine life insurance organizations and producers have joined together to create the Indexed Annuity Leadership Council (IALC). Continue reading
Posted in Personal Finance
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