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Tag Archives: FAQ
Treasury Easing its Rules on Annuities for Retirement Plans
In an effort to increase retirement security for Americans, the Treasury has announced proposed easing of its rules on annuities for retirement plans. Continue reading
Posted in In the News, Planning for Retirement
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Retire on Your Terms
Retirement planning is personal. Although there are many choices to be made and seemingly endless things to consider, sometimes talking with friends and family members, as well as others facing retirement, can help you feel more comfortable about available options. Continue reading
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
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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
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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
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FAQ of the Week: How is interest rate credited?
By Wade H. Mayo, President, Life Insurance Company of the Southwest, member of the National Life Group Overall, indexed annuities are relatively simple to understand, but figuring out how your interest rate will be credited can take some time to … Continue reading
Posted in FAQ, Product Features
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Five Myths about Indexed Annuities: Part 4
All financial vehicles have to cover the provider’s sales and marketing expenses. Over time, the margins built into an annuity to cover commissions are not necessarily higher than the sales and marketing expense margins built into competing financial vehicles. Continue reading
Posted in FAQ, Personal Finance, Product Features
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Five Myths about Indexed Annuities: Part 3
By Jim Poolman Myth: Indexed annuities impose uncharacteristically high surrender fees Truth: Surrender charges, which limit liquidity to an extent, are clearly disclosed, decline over time, and provide a known cost of exit. An annuity owner has no reason to … Continue reading
Posted in FAQ, Personal Finance, Product Features
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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
Posted in FAQ, Personal Finance, Product Features
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