- Want the latest highlights in retirement news and indexed annuities? Enter your email in the signup box above to receive our quarterly IALC Insights Newsletter. Click below to browse our archives.
Category Archives: FAQ
Trends for Fixed Annuities in 2015
Once simply viewed as a safe way to guarantee a lifetime stream of income, fixed annuities have emerged as a balanced instrument that offers the potential for wealth accumulation. This potential has made fixed annuities a top choice for many soon-to-be retirees, and there is no sign of this changing in 2015. Continue reading
Posted in FAQ, Planning for Retirement
Leave a comment
Save now, See the World Later
Retirees often look forward to spending time with their families, enjoying leisure activities, and for a majority of Americans – travel. Though many Americans plan to spend their retirement seeing the world, according to a recent study by The Global … Continue reading
Posted in FAQ, Personal Finance, Planning for Retirement
Leave a comment
Is divorce in your retirement plan?
The retirement landscape that Boomers face is vastly different than that of their parents. Gone are the days of pensions, a career ending in one’s early sixties and growing old with one’s spouse. Now Boomers are faced with possible shortfalls in social security and 401(k)s, longer years in the workforce, and…divorce? Continue reading
Posted in FAQ, Personal Finance
Leave a comment
What do your favorite celebrity finance experts think about indexed annuities?
In a recent article in the New York Times, Jean Chatzky, the financial editor for NBC’s Today Show, offered some insight into how deferred annuity products like indexed annuities are poised to make a difference in the financial future of … Continue reading
Posted in FAQ, In the News, Personal Finance
Leave a comment
Half-Price Living
Could you live on just half of your current household income? I’ve posed this question to hundreds of families and overall they say learning to live on less could be the ticket to achieving some of their biggest goals, like having one parent stay home with children, or bolstering their savings to pay off consumer debt. Continue reading
Posted in FAQ, Personal Finance, Uncategorized
3 Comments
Preparing for Escalating Healthcare Costs in Retirement
A recent Associated Press article reported that the average retired couple is facing $220,000 in medical bills during retirement. If that number astounds you, you are not alone. Continue reading
Posted in FAQ, In the News, Personal Finance, Planning for Retirement
Leave a comment
Indexed Annuity Sales are Up, Complaints are Down
Despite the growth in indexed annuity sales, complaints against the product have significantly decreased since 2010, according to data recently released by the National Association of Insurance Commissioners (NAIC). What’s more, a recent LIMRA study found that 83% of indexed annuity buyers were satisfied with their annuity purchase, and five in six would recommend annuities to family and friends. Continue reading
Posted in FAQ, In the News, Product Features
Leave a comment
At what age should you purchase an indexed annuity?
The great thing about indexed annuities is that they are a safe, reliable retirement planning vehicle appropriate for people in a variety of life stages. However, there are a few rules of thumb to follow when thinking about purchasing an indexed annuity. Of course, always speak with your retirement planning professional to see what makes most sense for you and your family. Continue reading
Posted in FAQ, Planning for Retirement
Leave a comment
FAQ of the Week: Is an indexed annuity truly guaranteed?
Indexed annuities are designed specifically to create the possibility of higher interest earnings than traditional fixed rate products and to protect premium (sometimes called principal) from loss due to market downturns, all the while creating a reliable, guaranteed lifetime income. Continue reading
Posted in FAQ, Planning for Retirement, Product Features
Leave a comment
5 Questions to Ask Before Purchasing an Indexed Annuity
Indexed annuities offer a unique and attractive blend of safety, growth potential, tax advantages, lifetime income and liquidity. But, it’s important to understand the terms of your individual contract. Here are some questions you can ask your insurance agent before signing on the dotted line. Continue reading
Posted in FAQ, Planning for Retirement
Leave a comment